The Total Visa Rewards

Embark on your credit-building journey with simplicity and ease, ideal for newcomers and those repairing their credit!

CREDIT CARD

Total Visa

cash back Credit bureaus issue reports

SEE HOW TO APPLY You will remain on the current site

If you’ve hit a few bumps in your financial journey, the Total Visa Credit Card offers a way forward. It’s specifically designed for individuals with less-than-perfect credit or limited credit history—no deposit required, no perfect score necessary.

While many credit cards slam the door on those with past challenges, Total Visa® gives you an opportunity to prove you’re ready for a fresh start. It’s not about rewards or fancy perks—it’s about access, rebuilding, and getting back on track. Let’s break down what makes this card useful—and where it falls short.

Unlocking Rewards at Every Turn with the Total Visa Card

Pros

• No security deposit required: Unlike secured cards, this one doesn’t tie up your cash upfront.
• Reports to all three major credit bureaus: On-time payments can help improve your credit score steadily.
• Fast application & decision: The online process is quick and simple, with fast approval for most applicants.
• Visa acceptance: Spend at millions of locations nationwide and online, just like any standard credit card.
• Mobile account access: Stay on top of your spending and payments with a user-friendly app or desktop portal.

Cons

• High Fees: Comes with significant fees including a program fee, annual fee, and monthly servicing fee.
• Low Credit Limit: Offers a relatively low initial credit limit, which might not be suitable for larger expenses.
• No rewards or cashback: You won’t earn points, miles, or cash for spending—this is strictly for credit building.

Why Should You Consider the Total Visa Card?

This card stands out as the top choice for individuals looking to build or rebuild their credit with confidence and ease. Designed as an accessible gateway to credit building, it empowers users to establish a strong financial foundation.

We don’t recommend the Total Visa® Credit Card for everyone—but for the right person, it serves a very specific purpose. If you’ve been denied by other lenders or need an unsecured card to start rebuilding your credit today, Total Visa® gets the job done. It’s not here to reward you. It’s here to give you a shot—when other doors are closed.

That said, this card is best used as a temporary tool. Once your credit improves, move on to a card with no annual fee, better terms, and actual benefits.

In short:

• Use it responsibly.
• Keep your balance low.
• Pay your bill on time.
• Track your progress.

And when the time comes—upgrade.