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.
- Earn 1% cash back rewards on payments made to your Total Credit Card
- Checking Account Required
- $300 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
- Intro APR
- Intro APR Period
- Annual Fee (rates & fees)
- $75.00 1st year, $48.00 after*
- Credit Needed
- Fair / Bad
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 Card||Credit Building||Annual Fee|
|First Latitude Platinum Mastercard® Secured Credit Card||$25.00 for the first year, after that $35.00 annually*|
|OpenSky® Plus Secured Visa® Credit Card||$0|
|First Access Visa® Card||$75.00 1st year, $48.00 after*|
|Reflex® Platinum Mastercard®||$75 - $125|