Total Visa – How to Apply
Getting access to credit is often harder for people with low or damaged credit scores.
Traditional credit cards require excellent history, and secured cards ask for deposits that aren’t always realistic. That’s where the Total Visa Credit Card comes in—providing an unsecured option specifically designed for people who are rebuilding.
Unlike some secured credit cards that require a large upfront deposit, the Total Visa is an unsecured card. That means you don’t need to come up with a $200 or $500 deposit just to open the account. Instead, you’ll pay a one-time program fee and, once approved, gain access to a line of credit that reports to all three major credit bureaus.
This isn’t a flashy card. It doesn’t come with points, miles, or extravagant perks. But it offers something more fundamental: a clear and accessible path back into the credit system.
With the Total Visa, you won’t be judged by past mistakes. You’re given a second chance, and for many people, that can mean the difference between financial stagnation and progress.
Total Visa
Unsecured card High APRHow does the Total Visa Credit Card work?
The Total Visa operates as an unsecured credit card, which means you don’t need to provide a deposit to get started. Instead, you’ll pay a one-time program fee, which is separate from the annual fee, and then receive a credit limit—usually $300.
Your credit activity is reported to the three main credit bureaus. That includes your payment history, balance usage, and how often you pay on time. All of this contributes to your credit profile and, if managed well, can help rebuild your score.
The application is entirely online and designed to deliver fast decisions. Within minutes, you’ll know if you’ve been approved, and your card will be mailed shortly thereafter.
This card gives you a straightforward line of credit that can be used anywhere Visa is accepted, both online and in stores.
Main Benefits of the Total Visa Credit Card
One of the main benefits of the Total Visa is that it’s unsecured—you don’t need to put down any collateral to qualify. This makes it more accessible for individuals who don’t have savings but need to start building their credit.
The fact that it reports monthly to all three major credit bureaus is another huge advantage. With consistent, responsible use, you’ll be able to positively impact your credit over time. Another perk is how fast and simple the process is.
The application can be completed online, and approvals are often delivered instantly. For someone who’s been rejected elsewhere, that speed and ease are empowering.
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Cons of the Total Visa Credit Card
There are several drawbacks to consider. First, the fees are high. You’ll pay a one-time program fee, a first-year annual fee, and after the first year, a monthly maintenance fee as well.
The credit limit is relatively low, typically $300, and a portion of that is consumed by fees right away. This makes managing utilization more challenging, which can affect your credit score.
Additionally, the APR is high, which means carrying a balance can quickly lead to large interest charges. And since there are no rewards or perks, you’re not getting any value beyond credit access.
This card is a tool—not a luxury.
APR and Fees
The Total Visa comes with a number of costs:
- Program Fee: $89 (one-time, due before account is opened)
- Annual Fee: $75 for the first year, $48 after
- Monthly Fee: $0 first year, $6.25/month starting year two
- APR: 34.99% (variable)
- Credit Limit: $300 standard
- Late Payment Fee: Up to $41
These fees can make the card expensive if you’re not careful. It’s best used for small, controlled purchases that you pay off in full each month.
How to Apply for the Total Visa Credit Card
- Visit the Total Visa website and start your online application.
- Fill out the form with your name, income, and personal information.
- Pay the one-time program fee if approved.
- Receive your card in the mail—typically within 7 to 10 business days.
- Activate the card and begin using it for small purchases.
- Pay your balance in full each month to avoid high interest and improve your credit score.
The Total Visa Credit Card might not be glamorous—but for many, it’s a necessary first step toward long-term credit success.
