TOTAL Visa® Card
Instant pre-approval genuine Visa credit card with monthly credit reporting
Updated: Mar 20, 2025
The Total Visa Credit Card (Pets) issued by The Bank of Missouri is designed for those with bad credit history who might have problems obtaining a standard unsecured card.
ANNUAL FEE
See Terms
ONGOING APR
35.99% Fixed
INTRO APR
N/A
at Total's Secured website
Apply NowIntroductory APR
N/A
Intro APR Period
N/A
Recommended Credit Score
Bad Credit OK
Key Features
- Earn 1% cash back rewards on payments made to your Total Credit Card
- Checking Account Required
- $500 credit limit (subject to available credit)
- No security deposit, simply pay a one-time $95 program fee to open your account.*
- User-friendly Mobile App.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See Total Card Visa Rewards Programs Terms & Conditions for details
Our Take
The Total Visa credit card (Pets) is designed for those who looking for a Visa card, with fast approval but don’t have good credit. The card reports to all three credit bureaus and is a good tool to build or strengthen credit. A checking account is required to apply.
What are the Card Benefits?
- Instant decision. This Total visa card offers instant decision online and you can know in less than 1 minute if you are pre-approved or not.
- Bad credit accepted. The card accepts all applications, even those with no credit history at all or even recent bankruptcy.
- Credit reporting. The Total visa with Pets card design reports your credit to major credit bureaus on monthly basis.
Are there any drawbacks?
- Program fee. The card is easy to get approved but has a program fee of $89. If you are ok with this fee – you can get pre-approved in a few seconds.
- High APR. This offer comes with a slightly higher APR than the average unsecured card. However, if you plan to pay on time every time it should not bother you at all.
Best Total Visa Card (Pets) Alternatives
| Issuer: | Bank of Missouri |
|---|---|
| Network: | VISA® |
| Category: | Consumer (Regular) |
| Best Used For: |
|
| Rewards: | Yes |
| Reward Types: |
|
| Reward Units: | Cash |
| Regular APR: | 35.99% |
|---|---|
| Regular APR Type: | Fixed |
| Annual Fee: | See Terms |
| Balance Transfer: | No |
| APR on Cash Advances: | 35.99% |
| Grace Period: | 21 days |
| Other Fees: |
|
TOTAL Visa® Card Alternatives
TOTAL Visa® Card |
| APPLY NOW |
|
Annual Fee See Terms |
|
Regular APR 35.99% |
|
Intro APR N/A |
|
Rec. Credit Score Bad Credit OK |
IMPORTANT
*The information provided for TOTAL Visa® Card is believed to be accurate at the time of evaluation or recent update on March 20, 2025. 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® Card
Reviews
TOTAL Visa® Card
Save to Compare