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UpvotesTotal VISA Credit Card Reviews for 2026Reviews, rates, fees, and rewards details for The Total Visa® Card. Compare to other cards and apply online in secondsJohn Kiernan
WalletHubAvailable to people with bad credit$95 one-time program feeHigh annual fee for the first yearHigh APR
WalletHubAvailable to people with bad credit$95 one-time program feeHigh annual fee for the first yearHigh APRTotal Visa® Card
Total Visa® Card
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WalletHub RatingCard TermsEditor's ReviewFAQUser Reviews
KEY TERMS
Credit Score
Credit Score
Bad Credit
Total Visa Fees
One-Time Fees
Annual Fee$50 - $125 1st year, $48 after
Monthly Fee$0 intro 1st year, $6.25 - $10.25 after
Total Visa APR on Purchases
35.99%
Total Visa Rewards
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
Total Visa's 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
| cash advance fee | $0 the 1st yr, 3% (min $10) after |
| cash advance APR | 35.99% |
| foreign transaction fee | N/A |
| smart chip | No |
| max late fee | See Terms |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 21 days |
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Editor's ReviewFact checked
Fact checked
May 10th, 2026
Total Visa Pros & Cons
Available to people with bad credit
$95 one-time program fee
High annual fee for the first year
High APR
Compare The Total Visa vs. Popular Alternatives
minimum depositNo Deposit Needed | minimum depositNo Deposit Needed | minimum depositNo Deposit Needed |
one time fees | one time fees | one time fees |
annual fee$50 - $125 1st year, $48 after | annual fee$85-$175 1st yr, $49 after | annual fee$175 1st yr, $49 after |
monthly fee$0 intro 1st year, $6.25 - $10.25 after | monthly fee$0 1st yr, $15 after | monthly fee$0 1st yr, $12.50 per month after |
Regular APR35.99% | Regular APR36% Fixed | Regular APR35.9% |
rewards rate | rewards rate | rewards rate |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Total Visa® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. 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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Total Visa Reviews
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3.5
1,555 reviews
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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.
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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.
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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!!!!
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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.
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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.
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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.
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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.
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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.
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1 Star Rating
AVOID! Paid bill and card froze for "security reasons". Needed proof I paid my own bill with a bunch of documents after payment cleared. Weeks later, they wanted documents sent again.
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1 Star Rating
Absolutely terrible experience. My credit score dropped 35 points over an $8 missed payment—and the worst part? I couldn't even find the card on my online account when I went to check or pay it. It disappeared. I called customer service, and they could not locate the card either. Completely unhelpful and dismissive.
I even sent a goodwill letter asking for the issue to be removed from my credit report. No response. Just a big brick wall.
This company does not care about its customers. If you value your credit score, avoid Total Credit Card at all costs. Unreliable systems, horrible communication, and zero accountability. There are much better options out there. Consider yourself warned.
I even sent a goodwill letter asking for the issue to be removed from my credit report. No response. Just a big brick wall.
This company does not care about its customers. If you value your credit score, avoid Total Credit Card at all costs. Unreliable systems, horrible communication, and zero accountability. There are much better options out there. Consider yourself warned.
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Review Total Visa® Card
Expert Thoughts on Total Visa
To help potential applicants learn more about the Total Visa Credit Card, WalletHub posed the following questions to a panel of experts. You can see who they are and what advice they had to share below.
- When does it make sense to consider a credit card like the Total Visa?
- What advice do you have for someone with bad credit who needs to borrow for an emergency expense?
Tingting Jia
Ph.D., Visiting Assistant Professor of Finance, Bucknell University
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Ph.D., Visiting Assistant Professor of Finance, Bucknell University
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Offer last updated: May 10th, 2026 at 11:04 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
Not Offered
REGULAR APR
36% Fixed
ANNUAL FEE
$85-$175 1st yr, $49 after
REWARDS RATE
1 - 3% Cash Back
BONUS OFFER
None
MINIMUM CREDIT