Total Visa

Credit Card

Total Visa

No annual fee. Savings Integration

It offers convenience, security and financial versatility

How to Apply You will remain on the current site

The Total Visa® Credit Card is a straightforward option for individuals with less-than-perfect credit who need access to a credit line. Tailored for those who are rebuilding their financial standing, the card offers an accessible application process and helps users demonstrate financial responsibility by reporting to all three major credit bureaus.

Unlike traditional secured credit cards, the Total Visa requires no collateral deposit. Instead, cardholders pay a program fee to activate their account. While the card comes with fees and a higher APR, its primary focus is on helping users establish or rebuild credit through responsible usage.

The card is widely accepted wherever Visa is, making it a practical tool for everyday purchases and emergencies. With its simple application process and focus on credit rehabilitation, the Total Visa Credit Card is a valuable choice for those seeking to improve their financial future.

Pros and Cons

Pros

• No security deposit required.
• Reports to all three major credit bureaus.
• Widely accepted through the Visa network.
• Accessible approval process for individuals with poor credit.

Cons

• High fees, including an upfront program fee.
• High APR, making it essential to pay balances in full.
• No rewards or cashback program.

Is This the Best Card for You?

The Total Visa Credit Card is ideal for individuals focused on rebuilding their credit without needing a security deposit.

While it comes with fees and lacks rewards, its accessibility and focus on credit improvement make it a valuable option for those committed to financial growth.

Why We Like This Card

The Total Visa Credit Card stands out for its accessibility and straightforward approach to credit building.

By eliminating the need for a security deposit and reporting to all major credit bureaus, it provides a practical solution for individuals seeking to rebuild their financial standing.cessible tool for credit building.