Does the Total Visa have a program fee?

A program fee for a credit card is a one-time charge that is typically assessed when you are approved, ostensibly to pay for the general benefits of being a cardholder. It is worth noting, though, that there are several credit cards on the market that don’t charge either a program fee or an annual fee.... read full answer

Some Easy Credit Cards to Get With No Program Fee

If you don’t want to waste money on fees, you can also check our editors’ latest picks for the best credit cards with no annual fee to weigh your options.

Yes, the Total Visa® Card is a legit, real credit card. The Total Visa card is legit because it is issued by The Bank of Missouri, an FDIC member that is accredited by the Better Business Bureau and has an "A+" BBB rating, in partnership with Vervent (former Total Card Inc.). The Total Visa also reports information to the major credit bureaus each month.... read full answer

Why The Total Visa Card is Legit

• Issued by The Bank of Missouri, an FDIC member that is accredited by the Better Business Bureau and has an "A+" BBB rating, in partnership with Vervent (former Total Card Inc.).
• Rated 1/5 stars by WalletHub editors.
• 3.5 / 5 average user rating on WalletHub.
• Reports to all three of the major credit bureaus: Equifax, Experian, and TransUnion.
• $0 fraud liability guarantee.

In addition, the Total Visa card is legit because it’s on the Visa credit card network, meaning you can use the card anywhere Visa credit cards are accepted.

Getting a Visa card costs as little as $0, depending on the type of Visa card you get. Visa gift cards often have a one-time fee of $2.95 to $6.95 at the time of purchase, based on the gift card’s value, whereas most Visa debit cards and credit cards cost nothing to get. Some Visa credit cards charge an annual fee for the privilege of owning the card, though, and the checking account a debit card is tied to may have monthly maintenance fees.... read full answer

Costs Associated with Getting a Visa Card

It’s important to note that if you get a Visa card, there may be additional transaction-based fees. For example, if you complete a balance transfer or take out a cash advance with a Visa credit card, you will likely pay either a flat fee or a percentage of the transaction amount, whichever is higher.

Bear in mind that Visa is a payment processing network and doesn’t decide the fees, interest rates or rewards associated with specific cards. Instead, Visa partners with banks and credit unions, and each sets its own card terms, ultimately determining how much a Visa card could cost you.