TOTAL Visa® Credit Card

Unsecured credit card with attractive credit limit and monthly credit reporting

Updated: Aug 10, 2021

Advertiser Disclosure

Total Visa issued by The Bank of Missouri is designed for those with bad or no credit history who might have problems obtaining standard credit card. It comes with credit reporting, full Visa benefits and unsecured credit limit.

ANNUAL FEE

See Terms

ONGOING APR

34.99% Fixed

INTRO APR

N/A

72 User Ratings

TOTAL Visa® Credit Card

at Total's Secured website

Apply Now

Introductory APR

N/A

Intro APR Period

N/A

Minimum Credit Score

Bad Credit OK

Key Features

  • Fast and easy application process; pre-qualification response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Program Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Checking Account Required

Our Take

Total Visa offers an unsecured credit card for people with “less than perfect” credit. Cardmembers do not avail of the reward program and introductory ARP period. An annual fee is charged. New cardmembers incur account set up fee. This starter credit card reports credit to all 3 credit buraus and is perfect tool for those looking for build credit.

Purchase APR is slightly high while cash advances APR is moderate. Members are not allowed to conduct balance transfers. The card has Cash advances fee, too.

Few Total Visa credit card benefits exist including online account management and zero fraud liability. Those consumers who plan to stick to their budget will be able to effectively monitor the card account at any time round the clock. Zero fraud liability is applied to transactions that are not authorized by the card member.

3 Steps to get Total Visa Card

  1. Complete application. The application form is short and it takes really fast to complete it.
  2. Submit application. Review and submit a filled application. Provide any additional details needed.
  3. Get a fast response. Once the application is submitted, the response for approval will come in less than 60 seconds.
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Basic Information
Issuer: Bank of Missouri
Network: VISA®
Category: Consumer (Regular)
Best Used For:
  • Cards for Bad Credit
  • Starter
  • Unsecured
  • Building Credit
  • Pre-Qualification
Rewards: No
Rates & Fees
Regular APR: 34.99%
Regular APR Type: Fixed
Annual Fee: See Terms
Balance Transfer: No
APR on Cash Advances: 34.99%
Grace Period: 21 days
Late Payment Fee: Up to $40
Other Fees:
  • Program Fee: $89.00 (one-time fee).
  • Annual Fee: $75.00 for the first year. After that, $48.00 annually
  • Monthly Servicing Fee: None for the first year (introductory). After that, $75.00 annually ($6.25 per month)
  • Returned Payment Fee: Up to $40.00

TOTAL Visa® Credit Card Alternatives


TOTAL Visa® Credit Card

TOTAL Visa® Credit Card

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Annual Fee

See Terms

Regular APR

34.99%

Intro APR

N/A

Min. Credit Level

Bad Credit OK

IMPORTANT
*The information provided for TOTAL Visa® Credit Card is believed to be accurate at the time of evaluation or recent update on August 10, 2021. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

TOTAL Visa® Credit Card

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TOTAL Visa® Credit Card

TOTAL Visa® Credit Card

Min. Credit Required: Bad Credit OK

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