TOTAL Visa® Card

Instant pre-approval genuine Visa credit card with monthly credit reporting

Updated: Aug 24, 2023

Advertiser Disclosure

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.


See Terms


35.99% Fixed



18 User Ratings

TOTAL Visa® Card

at Total's Secured website

Apply Now

Introductory APR


Intro APR Period


Recommended Credit Score

Bad Credit OK

Key Features

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

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Basic Information
Issuer: Bank of Missouri
Network: VISA®
Category: Consumer (Regular)
Best Used For:
  • Cards for Bad Credit
  • Starter
  • Unsecured
  • No Credit / New to Credit
  • Damaged Credit
  • Pre-Qualification
Rewards: Yes
Reward Types:
  • Other Rewards
Reward Units: Cash
Rates & Fees
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:
  • Program Fee: $95.00
  • 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 $41.00

TOTAL Visa® Card Alternatives

TOTAL Visa® Card

TOTAL Visa® Card


Annual Fee

See Terms

Regular APR


Intro APR


Rec. Credit Score

Bad Credit OK

*The information provided for TOTAL Visa® Card is believed to be accurate at the time of evaluation or recent update on August 24, 2023. 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

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TOTAL Visa® Card

TOTAL Visa® Card

Rec. Credit Score: Bad Credit OK

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Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don't affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.