Overview

Total Visa Card is designed to assist individuals with poor credit or limited credit history in building or rebuilding their credit profiles. Issued by The Bank of Missouri, this credit card serves as a tool for credit improvement, particularly for those with a history of bankruptcy.

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Total Visa^® Card

• An initial credit limit Up To $500! (See terms*)
• Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card.
• Checking account required.
• Free credit monitoring powered by TransUnion^®
• Fast and easy application process.
• All credit types welcome to apply.
• *See Rates, Fees, Costs & Limitations for complete offer details
• See Total Card Visa Rewards Programs Terms & Conditions for details

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

See Terms*

Credit Needed

Fair / Bad

Card Benefits

One notable feature of the Total Visa Card is its accessibility, catering to individuals with less-than-ideal credit scores. It offers them an opportunity to improve their credit profiles. In addition, as an unsecured credit card, the card does not require a security deposit to open an account. This makes the card more accessible to a broader range of individuals.

The Total Visa Card typically comes with a low initial credit limit. However, the credit limit has the potential to increase over time with responsible use and on-time payments.

The card issuer reports cardholder activity to major credit bureaus on a monthly basis. Consequently, it offers cardholders an opportunity to positively impact their credit scores through responsible credit usage.

Furthermore, Total Visa Card offers 1% cash back on purchases, which helps you earn a little rewards while building credit. As a VISA card, the Total Visa Card is widely accepted by merchants worldwide. And its online account management features provide convenience, allowing cardholders to make payments, check balances, and monitor transactions.

Fees

It’s important for cardholders to be aware of the associated fees, as the Total Visa Card comes a one-time program fee of $95.00. It also has an annual fee of $75.00 for the first year, and $48.00 thereafter.

Is Total Visa Card the right card for you?

For individuals with less-than-perfect credit, the Total Visa Card presents a valuable opportunity to rebuild credit. As an unsecured card, it eliminates the need for making an initial security deposit. Most importantly, this card reports to all three major credit bureaus—Experian, TransUnion, and Equifax. This reporting mechanism ensures that responsible credit behavior, including making timely payments, will have a positive impact on the cardholder’s credit history. For individuals aiming to repair or build credit, the Total Visa Card proves to be an effective tool when used responsibly.

Similar Cards for Credit Building

Similar to the Total Visa Card, a few other credit cards offer similar benefits.

Credit Card		Credit Building	Annual Fee
	Revenued Business Card	Approvals based on your business revenue and not personal credit	$0
	opensky® Plus Secured Visa® Credit Card	No credit check required - 89% approval rate with zero credit risk to apply! Earn up to 10% cash back on everyday purchases Boost your credit score fast-2 out of 3 opensky cardholders see an average increase of 47 points after 6 months Track your progress with free access to your FICO score in our mobile app Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion Start with as little as $300 - Secure your line with a refundable security deposit More time to fund-spread your security deposit over 60 days with layaway	$0
	Destiny Mastercard®	A guaranteed $700 credit limit to help get your financial goals on track, if approved. Apply with Confidence! There is no impact to your credit score if you're not approved. See terms. No security deposit, and a path to better credit.	see terms
	Merrick Bank Secured Credit Card	Choose your own credit line based on how much money you want to put down as a security deposit. Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000. After 9 months, we review your account for a credit line increase. No additional deposit required! Get your FICO Credit Score for free each month.	$36 for first year. billed $3 per month thereafter
	First Progress Select Secured Mastercard®	Put Your Tax Refund to Work - Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^ Secure your credit line with your refundable security deposit - choose from $200- $2,000 - with the ability to increase up to $5,000 over time! ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. *We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score. ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.	$39
	First Progress Prestige Secured Mastercard®	Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^ ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. *We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score. ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.	$49
	opensky® Secured Visa® Credit Card	Earn up to 10% cash back on everyday purchases No credit check required - 89% approval rate with zero credit risk to apply! Boost your credit score fast-2 out of 3 opensky cardholders see an average increase of 47 points after 6 months Track your progress with free access to your FICO score in our mobile app Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion Start with just $200-secure your credit line with a refundable deposit More time to fund-spread your security deposit over 60 days with layaway	$35
	Reflex® Platinum Mastercard®	Up to $1,000 Initial Credit Limit See if you Pre-Qualify with No Impact to your Credit Score Unsecured credit card requires No Security Deposit Monthly reporting to the three major credit bureaus	$75 - $125
	Surge® Platinum Mastercard®	Up to $1,000 Initial Credit Limit See if you Pre-Qualify with No Impact to your Credit Score Unsecured credit card requires No Security Deposit Monthly reporting to the three major credit bureaus	$75 - $125
	FIT™ Platinum Mastercard®	$400 Initial Credit Limit Unsecured credit card requires No Security Deposit Monthly reporting to the three major credit bureaus	see terms

The post Total Visa® Card Review – Rebuild Credit with an Unsecured Card appeared first on CardBenefit.

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Card Issuer

The Bank of Missouri

Network

Visa

Card Category

Fair Credit

Required Credit

Fair / Bad

Rate this card:  

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Total Visa^® Card

• An initial credit limit Up To $500! (See terms*)
• Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card.
• Checking account required.
• Free credit monitoring powered by TransUnion^®
• Fast and easy application process.
• All credit types welcome to apply.
• *See Rates, Fees, Costs & Limitations for complete offer details
• See Total Card Visa Rewards Programs Terms & Conditions for details

Intro APR

N/A

Intro APR Period

N/A

Purchase APR

35.99%*

Annual Fee (rates & fees)

See Terms*

Upgrade Life Rewards Visa^®

The post Total Visa® Card appeared first on CardBenefit.

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Card Issuer

Continental Finance

Network

Mastercard

Card Category

Bad Credit

Required Credit

Fair / Poor / Bad

Rate this card:  

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FIT™ Platinum Mastercard^®

• $400 Initial Credit Limit
• Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
• Unsecured credit card requires No Security Deposit
• Perfect card for everyday purchases and unexpected expenses
• Monthly reporting to the three major credit bureaus
• Use your card everywhere Mastercard is accepted at millions of locations
• Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

Intro APR

N/A

Intro APR Period

N/A

Purchase APR

35.90% Fixed

Annual Fee

See terms

Freedom Gold Card

opensky^® Secured Visa^® Credit Card

Net First Platinum

Reflex^® Platinum Mastercard^®

Destiny Mastercard^®

Surge^® Platinum Mastercard^®

Group One Platinum Card

First Latitude Assent Secured Mastercard^®

opensky^® Plus Secured Visa^® Credit Card

First Progress Select Secured Mastercard^®

First Progress Prestige Secured Mastercard^®

Self - Credit Builder Account + Secured Self Visa^® Credit Card

First Latitude Elite Secured Mastercard^®

Merrick Bank Secured Credit Card

Chime Card™

opensky^® Launch Secured Visa^® Credit Card

The post FIT™ Platinum Mastercard® appeared first on CardBenefit.

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Card Issuer

The Bank of Missouri

Network

Mastercard

Card Category

Average Credit

Required Credit

Fair / Good

Rate this card:  

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Milestone^® Mastercard^®

• Guaranteed $700 credit limit if approved.
• Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
• Don't Have Perfect Credit? No Problem!
• Join over a million consumers who are working on building their access to credit.
• Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
• Get the credit you deserve, even with less-than-perfect history.
• No security deposit, and a path to better credit.
  *Dependent on credit worthiness

Intro APR

N/A

Intro APR Period

N/A

Purchase APR

See terms

Annual Fee

See terms

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