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1 Star Rating
Terrible customer service. They didn't send my card or offer an expedited card. I canceled it. Let's see how long they take to refund my $95 program fee. Nevermind.
Product: Total Visa® Card
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Please find below credit cards offered by Total Card.
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One-Time Fees
Regular APR35.99%
One-Time Fees
$95
Regular APR
35.99%
annual fee
$50 - $125 1st year, $48 after
monthly fee
$0 intro 1st year, $6.25 - $10.25 after
rewards rate
1% Cash Back
minimum credit
Bad
WalletHub's Take: The Total Visa Card is an expensive unsecured credit card for people with bad credit. It does not require applicants to place a refundable security deposit, but it does charge high fees, starting with a $95 “program fee” that’s assessed before account opening. There's also a $50 - $125 annual fee the first year, which is replaced by a total of $123 - $171 in monthly and annual fees in the following years.
Pros
- Available to people with bad credit
Cons
- $95 one-time program fee
- High annual fee for the first year
- High APR
Rewards Details
- Double the Rewards: Earn Up To 10% Cash Back on Purchases at select merchants & 1% Back on Payments!^^
- ^^1% Cash Back is earned on payments to your Credit Card. Up To 10% Cash Back is earned on qualifying purchases at select participating merchants. Offer percentages vary by merchant and are subject to change. See Total Card Visa Rewards Programs Terms & Conditions for details
Additional Info
- An initial credit limit Up To $500! (See terms*)
- 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
Featured Credit Cards
Ad DisclosureOne-Time Fees
Regular APR36% Fixed
One-Time Fees
$0
Regular APR
36% Fixed
annual fee
$85-$175 1st yr, $49 after
monthly fee
$0 1st yr, $15 after
rewards rate
1 - 3% Cash Back
minimum credit
Bad
WalletHub's Take: The Fortiva® Cash Back Rewards Mastercard is a pricey credit card for people with bad credit that’s not likely to be worth the cost despite offering good rewards. Cardholders earn up to 3% cash back and enjoy a credit line of up to $1,000, with no security deposit needed, but those perks come with high fees and a high APR.
Pros
- High rewards rate
- Bonus rewards categories
- Qualify with bad credit
- Does not require security deposit
Cons
- High membership fees
- High regular APR
- Foreign fee
Rewards Details
- Earn Cash Back Rewards* - 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- *See Program Terms for important information about the cash back rewards program.
Additional Info
- Use Anywhere Mastercard is Accepted
- No Security Deposit
- $0 fraud liability**
- Free access to your Credit Score†
- **Fraud liability subject to Mastercard rules.
- † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
One-Time Fees
Regular APR35.9%
One-Time Fees
$0
Regular APR
35.9%
annual fee
$175 1st yr, $49 after
monthly fee
$0 1st yr, $12.50 per month after
minimum credit
Bad
WalletHub's Take: The Indigo Credit Card is an expensive credit card for people with bad credit, but it can be worthwhile because it doesn’t require a security deposit. In return for a $700 credit limit, the card charges an annual fee of $175 for the first year ($49 after that), plus a monthly fee after the first 12 months.
Pros
- Qualify with bad credit
- Does not require security deposit
Cons
- High membership fees
- High regular APR
- Foreign fee
Additional Info
- Get the credit limit you deserve—$700 guaranteed if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
- Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit, just purchasing power.
Secured Credit CardMin Deposit of $49, $99 or $200
One-Time Fees
Regular APR28.99% (V)
Secured Card
Min Deposit of $49, $99 or $200
One-Time Fees
$0
Regular APR
28.99% (V)
annual fee
$0
monthly fee
$0
minimum credit
Bad
WalletHub's Take: The Capital One Platinum Secured Credit Card is good for people who want to build or rebuild their credit at a low cost. This card is worth getting because it has a $0 annual fee, does not require a big deposit, and reports to all three major credit bureaus on a monthly basis. That allows you to build credit for free if you manage your account responsibly.
Pros
- No annual or monthly fees
- Starting credit line of at least $200
- Great for credit-building
Cons
- No rewards
- Higher-than-average interest rate
Additional Info
- Balance Transfer APR: 28.99% (Variable); Balance Transfer Fee: $0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
- Top rated mobile app
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
Total Card Credit Card Reviews
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1 Star Rating
I would advise if you are trying to get your credit score up. Do not apply to Total Visa! For one if you are in a financial state to where you can’t pay the card off, they will apply fees to the balance! Which I understand that! But what I don’t understand is how is it the card gets a restriction put on it for the balance being paid? So the user get punished for paying the card off. If the card is maxed out they apply the fees, then you pay the max amount plus the fees. And get told that the card is restricted! And the only way to get the restriction lifted is you have to submit a bank statement with all of your charges exposed to who knows who! Yea not the card to do business with!!!
Product: Total Card Credit Cards
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1 Star Rating
This thing constantly gets declined everywhere even with money on it available. Gonna pay off the balance and get the account shut down and cut up the card.
Product: Total Visa® Card
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1 Star Rating
Had this card for about 6 months, until I made two payments in the same billing cycle. To these people, apparently, that's too much, and paying off your card in a timely manner is too much for them. Even though I verified I still had the card in my possession, they wanted me to mail them a bank statement showing them the payment cleared. They can easily confirm that themselves. I guess they weren't making enough money off me. Mind you, this payment was way over two weeks old, more than enough time for both banks to verify funds and all. I also usually pay with a debit card, which they have you verify your identity before processing said cards. So, because they didn't want to lift the restriction, I had no choice but to cancel the card.
Product: Total Visa® Card
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1 Star Rating
This card is a farce. It was locked when it arrived. Upon trying to unlock it, I found that I had to pay the annual fee first. This is the only card I have ever had where I had to pay before unlocking. Completely unreasonable, and I wouldn't pay it just to unlock the card; I'm only paying it to stop these people from relentlessly calling me to pay an overdue bill for something I wasn't able to use. DO NOT GET THIS CARD!!!!
Product: Total Visa® Card
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1 Star Rating
I paid my bill ahead of time and they locked my card for it, stating they needed to verify I had paid the bill and wanting information from the other account I used to pay it. First off, I don't care who pays my bill; they should allow them to do so. It has been almost two weeks since they locked my card, and now, because I couldn't access those funds, my best friend Tucker could not receive the vet care he needed and has passed away.
Product: Total Visa® Card
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1 Star Rating
It's a fake company; they stole your information.
I don't recommend applying to this fake application.
Additionally, the customer service is bad, with no supervisors available.
They are liars.
I don't recommend applying to this fake application.
Additionally, the customer service is bad, with no supervisors available.
They are liars.
Product: Total Visa® Card
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1 Star Rating
Bad things: $95 fee paid before you get the card, cannot do cash advance for 90 days after you get the card. Numerous other charges are due during the year. Good thing: It's good for those with bad credit, but that's about it. And they don't tell you about the cash advance restriction anywhere on the website.
Product: Total Visa® Card
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1 Star Rating
I made a payment to my Total Visa credit card that has already cleared my bank, been processed, and even posted to my account, but the funds are still being held for two whole weeks before they're available to use.
This is absolutely ridiculous. There is no logical reason why a posted and processed payment should take 14 days to reflect in my available credit. Other credit card companies release available credit within 24–48 hours, sometimes instantly, once a payment clears.
This just feels like a sneaky way to prevent you from using your card, while still collecting fees and interest. Their "customer service" gives you the same generic excuse every time and refuses to escalate the issue or provide a real explanation.
This company clearly does not care about their customers. I regret ever applying for this card and would strongly advise others to stay far away. There are way better options out there that don't treat you like this.
This is absolutely ridiculous. There is no logical reason why a posted and processed payment should take 14 days to reflect in my available credit. Other credit card companies release available credit within 24–48 hours, sometimes instantly, once a payment clears.
This just feels like a sneaky way to prevent you from using your card, while still collecting fees and interest. Their "customer service" gives you the same generic excuse every time and refuses to escalate the issue or provide a real explanation.
This company clearly does not care about their customers. I regret ever applying for this card and would strongly advise others to stay far away. There are way better options out there that don't treat you like this.
Product: Total Visa® Card
Comment
Make your payment with a DEBIT CARD next time.
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1 Star Rating
Disappointing! Their employees compromise account information, take your funds, and then terminate the account, leaving no evidence for you to present. I had been with them for 10 years, and they permitted an employee to forge details on my account, illicitly take funds, and then close my account without any resolution. Look elsewhere if you are considering this card.
Product: Total Visa® Card
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Total Credit Card FAQ
Get answers to your questions about Total Credit Card below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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- Most Popular
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13
UpvotesWhere can I make my Total Visa payment?
Reply
Chip Lupo
You can make a Total Visa® Card payment online, by phone, through the Total Card mobile app or by mail. To pay a Total Visa bill online, log in to your online account and click on "Bill Pay." Then, choose how much to pay, when to pay it, and where the payment is coming from. Total Visa does allow cardholders to set up automatic payments, too.
Ways to Make a Total Visa Payment
- Online. Log in to your online account and click on "Bill Pay."
- By phone: Call 1-877-480-6988 and enter your card information prompted, then follow the prompts to make a credit card payment.
- Through the mobile app: Log in to your account and select your card, then tap the payment button.
- By mail. Send a check or money order (but not cash) to
Total VISA
P.O. Box 84930
Sioux Falls, SD 57118-4930Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Total Visa payment, so just choose whichever method suits you best. The important part is to not miss payments, as that can seriously damage your credit score.
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9
UpvotesHow do I apply for the Total Visa Card?
Reply
Adam McCann
The easiest way to apply for the Total Visa is online, and you can get to the online application by clicking the "Learn More" button on WalletHub. Applying online is the fastest method and often leads to an instant response. Keep in mind that the Total Visa is available to people with bad credit or better, which means it's easy to get approved. You can check your credit score for free here on WalletHub.
How to Apply for the Total Visa
- ...
2
UpvotesHow do I check my Total Visa application status?
Reply
Maria Adams
You can check your Total Visa application status online or by phone at 1 (877) 526-5799. For both methods, you'll need to provide your date of birth, application ID, and email address so that tbom® can match you to your application.
How to Check Your Total Visa Application Status Online
- Go to the Total Visa application status page.
- Give your date of birth, application ID, and email address when prompted.
- View your Total Visa application...
9
UpvotesHow can I check my Total Visa balance?
Reply
Adam McCann
The easiest way you can check your Total Visa balance is online. Just log in to your online account and you will see your current balance on your account summary page. Alternatively, you can check your balance over the phone, by calling (877) 480-6988 and following the prompts.
It's also good to note that you can see your Total Visa balance on the statement you will receive each month. However, that balance is only accurate as of the...
3
UpvotesHow can I get a Total Visa cash advance?
Reply
Maria Adams
To get a Total Visa cash advance:
- Call Total Visa Card customer service at 1 (877) 480-6988 and request a PIN, if you don't already have one.
- Insert the at an ATM and enter the PIN.
- Select the cash advance option on the ATM screen.
- Enter the amount you'd like to withdraw.
- Withdraw the cash and remove the from the ATM.
Keep in mind that a Total Visa cash advance is a...
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