Total Visa

By Raquel Oliveira • 04/07/2025

Total Visa Credit Card activities are reported monthly, helping to improve your credit score.

The Total Visa credit card is a convenient and affordable financial solution tailored for consumers seeking to rebuild their credit while enjoying a straightforward and hassle-free experience.

It is designed specifically for individuals facing credit challenges, offering an inclusive pathway to regain financial confidence.

Although it comes with high fees, its focus on helping cardholders improve their credit scores makes it a reliable tool for those looking to regain their financial stability.

Designed for those facing credit difficulties, this card offers benefits such as accessibility, fast approval and reporting to credit agencies.

Accessible Credit for All

The Total Visa Credit Card is tailored to meet the needs of individuals working to improve their credit. With an easy online application and a fast approval process, this card is accessible to those who need a fresh start.

Unlike secured credit cards, the Total Visa® doesn’t require a deposit, but it does come with a one-time program fee and an annual fee.

These costs should be carefully considered when evaluating whether this card aligns with your financial goals.

Once approved, cardholders can use the card for everyday purchases, with the opportunity to demonstrate responsible credit usage by making on-time payments and keeping balances low.

Pros and Cons

Pros

• Easy application process with flexible credit requirements.
• Reports to all three major credit bureaus.
• No security deposit required.

Cons

• High fees, including a one-time program fee and annual fee.
• High APR for carried balances.
• No rewards or cashback program.

How Do I Know If the Total Visa Credit Card Is the Best Credit Card for Me?

The Total Visa® Credit Card is ideal for individuals who are focused on building or rebuilding their credit and need a straightforward card to help achieve that goal.

If you’ve struggled to qualify for other credit cards and can commit to managing this card responsibly, it offers a practical way to improve your credit profile.

However, the card’s high fees and lack of rewards make it less suitable for those who are looking for additional perks or lower-cost options. It’s best for individuals who value accessibility and are serious about improving their financial health.

Is the Total Visa credit card right for you?

Total Visa is an ideal tool for consumers who need to rebuild their credit with an affordable and secure option.

If you’re willing to manage your finances responsibly and cover the associated fees, this card can help you regain your credit stability and access more advanced products in the future.

Its straightforward application process and focus on accessibility make it a practical choice for those starting their credit recovery journey or building financial discipline.

However, if you’re looking for extra benefits like rewards or competitive rates, this card might not be the best option for you. Evaluate your financial needs and goals before making a decision.

Why we like this card

We like the Total Visa credit card for its clear focus on accessibility and its mission to assist consumers in rebuilding their credit history.

Designed for individuals who may have struggled with past financial challenges, this card serves as a stepping stone toward regaining financial stability and confidence.

The fast approval process and nationwide acceptance provide convenience to cardholders, while its tools enable consumers to regain their financial stability.

While it has limitations such as high fees and lack of rewards, its simplified and accessible design stands out from other similar products on the market.

Conclusion

The Total Visa credit card is an accessible and reliable tool for consumers who need to rebuild their credit efficiently and safely.

With features like no security deposit and no reporting to credit bureaus, this card makes financial recovery easier for those facing credit challenges.

Although it comes with high fees and lacks rewards, its streamlined design and focus on accessibility make it a standout option for those looking to regain control of their financial lives.