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Total Visa® Card

SuperMoney Net Recommendation Score +15  


This product is mostly recommended by SuperMoney users with a score of +15, equating to 3.3 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly recommended

15 users recommend
8 users are unsure
10 users don't recommend
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Community Rating Mostly recommended
Purchase APR  (Fixed APR) 34.99%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 300 - 640
Annual Fee $75
Number of Reviews 33

Total Visa® Card Review

This is a credit card issued by The Bank of Missouri. If you're wondering whether Total Visa card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a fixed purchase APR of 34.99%
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of Total Visa card
The Good The Bad
  • Considers applicants with fair credit.
  • Total Visa® Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $75
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Total Visa card FAQ

Does Total Visa card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Total Visa card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Total Visa® Card has a fixed purchase APR of 34.99%. It also has a fixed cash advance APR of 34.99% .

Does Total Visa card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Total Visa card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Total Visa card?

The following fees apply:

Total Visa card Fees
Fees Amount
Annual Fee $75 (Annual fees vary by year)
Initial Program Fee $89
Returned Payment Fee up to $41
Late Payment Fee up to $41

What is the support contact email for Total Visa card?

The support contact email for Total Visa card is

What is the Total Visa card login page?

You can access the Total Visa card login page here.

How do people rate the customer service and user experience of Total Visa card?

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

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

Yes, Total Visa® Card reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Total Visa card

  • Visit the Total Visa card website.
  • 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® Card Disclosure: $89.00 one-time Program Fee to open your account. Annual fee is $75.00 for 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 $5.00 or 5% of the amount of each cash advance, whichever is greater. View Total Visa® Card's published terms & conditions.
SuperMoney Disclosure: 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 The Bank of Missouri

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.


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

About Total Visa® Card

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View all credit cards offered by The Bank of Missouri


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Initial Program Fee $89
No Interest Grace Period for Late Payment 21 days
Paper Statement Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $75
Minimum Interest Charge $0.50
Returned Payment Fee Up to $41
Late Fee Amount Up to $41
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required
Credit Score Range 300 - 640
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 34.99%
Balance Computation Average Daily Balance (including new purchases)
Credit Limit Up to $300
Purchase APR (Fixed APR) 34.99%
Card Type
  • Bad Credit
Card Network Visa

Total Visa® Card Community Reviews


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This product is mostly recommended by SuperMoney users with a score of +15, equating to 3.3 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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The Bank of Missouri Credit Cards