Total Card Visa is an unsecured credit card designed for people who want access to credit without making a security deposit. It is mainly focused on consumers who are trying to build or rebuild credit and need a card that reports account activity to the major credit bureaus.
This card is not a low-cost rewards card or a premium travel product. Instead, the Total Card Visa is built around credit access, monthly bureau reporting, cash back opportunities, mobile account tools, and credit monitoring. For users who manage payments carefully, it may support better credit habits over time.
Total Visa
Cash back Mobile appHow the Total Card Visa Works
The Total Card Visa is issued by The Bank of Missouri and can be used by approved cardholders for eligible purchases in the United States, subject to the available credit limit and account terms.
Unlike a secured credit card, this card does not require a refundable security deposit. However, if approved, applicants must pay a one-time $95 Program Fee before the account is opened. This is an important cost to understand because the account does not become active until that required fee is paid.
If approved, the credit limit will generally be between $200 and $500. The initial available credit will be lower because certain fees are charged to the account when it opens. For example, the annual fee reduces the amount of credit available at the beginning.
The card reports monthly to the three major credit bureaus: TransUnion, Experian, and Equifax. This can help users build or rebuild credit when they make payments on time and keep balances low compared with their credit limit.
The Total Card Visa also includes a rewards structure. Cardholders can earn cash back rewards, including 1% cash back on payments to the credit card and up to 10% cash back at select participating merchants. Participating merchants and reward amounts may vary and are available through the cardholder’s online account.
More Advantages of the Total Card Visa
One of the main advantages of the Total Card Visa is that it does not require a security deposit. For people who do not want to tie up money in a secured card deposit, this can make the card more accessible.
Another advantage is monthly credit bureau reporting. When used responsibly, this can help create a record of positive payment behavior. Paying on time and keeping balances low are important habits for anyone working to improve credit.
The card also offers free credit monitoring powered by TransUnion®. This can help cardholders stay more aware of changes in their credit profile and follow their progress over time.
The Total Card Visa mobile app is another useful feature. Cardholders can use the app to access account information, monitor activity, make payments, and manage the card more conveniently.
The card also offers cash back rewards, which is not always common among cards for consumers with damaged or limited credit. While the rewards structure has specific terms, it can add extra value for users who already plan to make eligible purchases or payments.
Another feature is the ability to choose a card design. Some designs are free, while premium designs may involve an additional fee. This is a smaller benefit, but it gives users some personalization.
Downsides of the Total Card Visa
The biggest downside of the Total Card Visa is the cost. The card has multiple fees, including the Program Fee, annual fee, and monthly servicing fee after the first year. These costs can reduce the value of the card, especially for users with lower credit limits.
Another downside is the high APR. Carrying a balance can become expensive quickly, so the card is best used by people who plan to pay their balance on time and avoid interest whenever possible.
The initial credit limit may also be low. Since the approved credit line can range from $200 to $500, and fees reduce available credit, users may have limited spending room at the beginning.
The card also has use restrictions. It cannot be used outside the United States, for foreign currency transactions, at automated fuel pumps, or for gambling transactions. This makes it unsuitable for international purchases or travel.
Finally, approval is not guaranteed. The issuer reviews application information, identity details, credit reports, and other eligibility factors before making a decision.
Total Card Visa Fees and Costs
The Total Card Visa charges a one-time $95 Program Fee if the applicant is approved and wants to open the account. This fee must be paid before the account is opened.
The card also has an annual fee. In the first year, the annual fee depends on the approved credit limit and can range from $50 to $125. After the first year, the annual fee is $48.
A monthly servicing fee applies after the first year. The amount depends on the credit limit and can range from $6.25 to $10.25 per month. There is no monthly servicing fee during the first year.
The purchase APR is currently 35.99%, and the cash advance APR is also 35.99%. Cash advances begin accruing interest when they are posted to the account.
There is no cash advance fee during the first year. After that, the cash advance fee is either $10 or 3% of the amount of each cash advance, whichever is greater.
Late payment and returned payment fees can each cost up to $41. Additional fees may also apply for authorized user cards, premium card designs, express delivery, or accepted credit limit increases.
Because of these costs, applicants should review all official terms before accepting the card. The Total Card Visa may provide credit access, but it must be managed carefully to avoid unnecessary fees.
How to Apply for the Total Card Visa
You can apply for the Total Card Visa through the official Total Card Visa website. The application asks for personal information such as your name, address, email, phone number, and other details used to verify your identity.
Applicants must certify that they are U.S. residents and at least 18 years old. A physical street address is required, and the application also asks whether the applicant has an active checking account.
After submitting the application, the issuer reviews the information and provides a credit decision. If approved, the applicant must pay the $95 Program Fee to open the account. Once the fee is processed, the card can be issued and activated.
Before applying, review the credit limit range, program fee, annual fee, monthly servicing fee, APR, use restrictions, and rewards terms. This is especially important because the card can be expensive if it is not used carefully.
The Total Card Visa may be an option for someone who wants unsecured credit access and does not want to provide a security deposit. It also offers monthly reporting to the major credit bureaus, credit monitoring, rewards, and mobile account tools.
However, it may not be ideal for users who want low fees, a high credit limit, or international use. For disciplined cardholders focused on rebuilding credit, the Total Card Visa is worth considering, but only after reviewing the full terms carefully.
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