Is Total Visa® Credit Card the right fit for you?

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Last Updated: 03/30/2026

Total Visa® Credit Card

from The Bank of Missouri

Last Updated: 03/30/2026

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Mostly recommended35 total votes

17 users recommend

8 users are unsure

10 users don't recommend

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Highlights

Community Rating

Mostly recommended

Purchase APR (Fixed APR)

35.99%(Verified 08/27/2024)

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Balance Transfer APR (Fixed APR)

N/A(Verified 08/27/2024)

Credit Score Range

550 - 620

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Annual Fee

$48 - $75

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Number of Reviews

Total Visa® Credit Card Review

This is a card issued by The Bank of Missouri. If you're wondering whether Total Visa® Credit Card is the right card for you, read on.

Key Takeaways

APR: This is not a great card for people who carry a balance. It has a fixed purchase APR of 35.99%
Poor credit accepted. This card will consider people who have poor credit.

Pros & Cons of Total Visa® Credit Card

The Good

The Bad

Considers applicants with fair credit.
Total Visa® Credit Card reports to multiple credit bureaus.

Higher than average purchase APRs.
Charges an annual fee as low as $48 up to $75
(Annual fees vary by year)
Does not offer a signup bonus.
Does not offer rewards or cash back.
Rewards bonus rate of only 1% on purchases. Terms apply*.

Total Visa® Credit Card FAQ

Does Total Visa® Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

Total Visa® Credit Card Rewards Breakdown

Description

Every Purchase

Up to 1 % cash back

How do people rate the customer service and user experience of Total Visa® Credit Card?

Overall, Total Visa® Credit Card is mostly recommended based on community reviews that rate customer service and user experience.

Does Total Visa® Credit Card report your account activity to credit bureaus?

Yes, Total Visa® Credit Card reports to the following credit bureaus:

Equifax
Experian
TransUnion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does The Bank of Missouri perform a hard credit pull?

Yes, Total Visa® Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Total Visa® Credit Card

Visit the website of Total Visa® Credit Card.
Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

Total Visa® Credit Card Disclosure: See https://totalcardvisa.com/pdf/TotalVisa_rates_fees_costs_and_limitations.pdf for more details. $95.00 one-time Program Fee to open your account. Annual fee is $75.00 for the first year. After that, $48.00 annually. The Annual Fee will be assessed before you begin using your card and will reduce the amount of credit you initially have available. Based on your initial credit limit of $300.00, your initial available credit will only be $225.00 (only $196.00 if you choose to have an additional card). You may still reject the plan, provided that you have not yet used the account or paid a fee after receiving a billing statement. If you reject the plan, you are not responsible for any fees or charges. No cash advance fee for first year (introductory). After that, either $10.00 or 3% of the amount of each cash advance, whichever is greater.

View Total Visa® Credit Card's published terms & conditions

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Total Visa® Credit Card

The TOTAL Visa is a perfect tool for people who have faced financial challenges and struggled to get credit in the past. Complete our short application now and get a response from us online in seconds.

Contact

Headquarters

The Bank of Missouri

PO Box 85710

Sioux Falls, SD 57118

(888) 547-6541

Visit Site

Hours of Operation

Sunday

Closed

Monday

9:00AM - 5:00PM

Tuesday

9:00AM - 5:00PM

Wednesday

9:00AM - 5:00PM

Thursday

9:00AM - 5:00PM

Friday

9:00AM - 5:00PM

Saturday

Closed

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SuperMoney Net Recommendation Score

SuperMoney users mostly recommend this product, giving it a user recommendation score of +20, or 3.4 on a 5-point rating scale.

+20

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Total Visa® Credit Card Community Reviews

Would you recommend Total Visa® Credit Card to your friends?

Gina M.

Nov 9, 2023

May or may not recommend

I love that this card has no security deposited and 1% back on all purchases. This helped me feel like I was really being rewarded for my spending. I also think it is a nice touch that for the first year all cash advances were waived. In general, I also would say that it helped increase my credit as I came into the card hoping to build my credit score.

Nikita

Aug 8, 2023

May or may not recommend

This has potential for credit limit increases, this card can aid in building or rebuilding credit when used responsibly.

Andrea T.

Aug 8, 2022

May or may not recommend

Why they don’t report according to the credit bureau I have given them more money then what my minimum payment is they can keep it

Roxanne R.

Aug 8, 2022

May or may not recommend

If i could Id give this d*mn card -10 stars! I have had this card for an entire year August 16th, 2021. When I first got this card just like any other person with bad credit I maxed it out but I paid it off. Currently, i been much better with my money but it is not because of this card. This card is AWFUL even for people with the ...Show More

Muhammad A.

Jul 25, 2022

May or may not recommend

It's really easy to get and does not require a security deposit. This is a wonderful card for rebuilding credit. i recomanded it

Anonymous

Jun 6, 2022

May or may not recommend

Ridiculous. Today I called to close my account. Very high interest rate and they charge monthly maintenance fees. They offer no rewards or incentives etc…. I’ve had the card for almost 3 years never paid late and I,ve been never offered a credit increase. Stuck at 300 limit. Opened one thru BOA $2200 limit, Mission $1000 & GTE$1000. Guess my credit is not bad after all. Bye Bye Total Visa

Rebecca H.

Apr 16, 2022

May or may not recommend

Never received the card after paying the $89 registration fee. Three weeks after paying the fee I get calls to pay the $75 yearly fee. I told them I never received the card and they said they would send it after I pay the $75 fee.. I explained I was not comfortable paying all this money for something I didn't have and I want to cancel because I obviously can ...Show More

Stephany A.

Apr 12, 2022

May or may not recommend

Maybe I would recomend this card because I don’t like to pay the Anual fee. Is good with the APR.

Sophia D.

Jan 20, 2022

May or may not recommend

This card is too expensive! The APR is very high, and the annual fee is ridiculous! There are much better options out there for starting with credit.

Emma R.

Jan 6, 2022

May or may not recommend

The Total Visa card offers no cashback or sign-up offers but does offer the ability to convert the balance to over 50 currencies. The card has a high APR of 34.99%. I just got my Total Visa card so I haven't had a chance to really use it yet, but so far it seems like it's not worth it. There are no sign-up offers so you don't get any free money ...Show More

Bobbie S.

Dec 25, 2021

May or may not recommend

The fees are excessive, they couldn't even get the correct name on the card, customer service is terrible and I couldn't understand most of them.

Andrew H.

Aug 12, 2021

May or may not recommend

If you have poor credit then this card is for you. Otherwise I'd look for something else, as the APR on this particular card is quite high.

Cruzi

Jul 22, 2021

May or may not recommend

There are some things that need to be fixed like it doesn;t offer rewards or cash back, not offer for sign up, this is something very important for a card since it is unbalanced with many other cards that offer this type of service. But in overall, I like it, especially if you have a good credit score and since is VISA it's accepted in almost everywhere which is great!

Florencia C.

Jul 22, 2021

May or may not recommend

I really recommend using this card. I've used it for years, all my friends are using it and I've never had a problem with it. It's really easy to get and does not require a security deposit. This is a wonderful card for rebuilding credit.

Maci B.

Jul 14, 2021

May or may not recommend

Even though I don't have great credit I still got approved for a visa credit card . However they weren't the best credit card company to get a card from

Keith H.

Jul 7, 2021

May or may not recommend

I used to have this card and I would absolutely recommend it to anyone, I had no issues with it!

David G.

May 19, 2021

May or may not recommend

I have had this card for over three years I have never had a problem with this card I’ve never had bad customer service. Pay your bill on time and you won’t have issues if you can’t afford a card don’t apply for it. They even placed me on a plan when I lost my job. If you have bad credit this will help you, however bad credit comes with ...Show More

Ogechi A.

Apr 23, 2021

May or may not recommend

Imagine having a bad credit score and still be able to get approved loans? My first experience with Total Visa® Card was a good one and I recommend any day and time.

Kandace W.

Mar 12, 2021

May or may not recommend

Visa is a very great company! There cards are needed and used all over and you can rely on them to help with any issue!

Anonymous

Mar 2, 2021

May or may not recommend

Overall, it is easy to get accepted and is a good way to start building credit, especially if you are recovering from bad credit. However, I do not like the annual fee when there is no cash back to compensate for this. Unfortunately, the interest rate is high for those who carry a balance, which means its benefits are outweighed by the detriments.

Showing 20 of 35 reviews