Total Visa® Card Review – Rebuild Credit with an Unsecured Card



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.

Intro APR
Intro APR Period
Annual Fee (rates & fees)
$75.00 1st year, $48.00 after*
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.


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 CardCredit BuildingAnnual Fee
First Latitude Platinum Mastercard Secured Credit CardFirst Latitude Platinum Mastercard® Secured Credit Card
  • 1% Cash Back Rewards on payments
  • Choose your own fully-refundable credit line - $100 to $2000 - based on your security deposit
  • Build your credit score.† Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 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.
  • $25.00 for the first year, after that $35.00 annually*
    OpenSky Plus Secured Visa Credit CardOpenSky® Plus Secured Visa® Credit Card
  • $200 minimum refundable security deposit. Click "Apply Now" to see additional terms and conditions.
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Get considered for an unsecured credit line increase after 6 months - no additional deposit
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Reports to all 3 major credit bureaus monthly to establish and build credit history.
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • $0
    First Access Visa CardFirst Access Visa® Card
  • Earn 1% cash back rewards on payments made to your First Access Credit Card
  • $300 credit limit (subject to available credit)
  • No security deposit, simply pay a one-time $95 program fee to open your account.*
  • $75.00 1st year, $48.00 after*
    Reflex Platinum MastercardReflex® Platinum Mastercard®
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you're Pre-Qualified with no impact to your credit score
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 - $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • $75 - $125

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