Total Visa® Card

in Personal Credit Cards from The Bank of Missouri

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Total Visa® Card


in Personal Credit Cards from The Bank of Missouri

SuperMoney Net Recommendation Score +33%



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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

6 users recommend
0 users are unsure
3 users don't recommend
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Community Rating Mostly recommended
Purchase APR  (Variable APR) 34.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 640
Annual Fee $75
Number of Reviews 9

Total Visa® Card Review

Total Visa® Card 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 is everything you need to know to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable 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 qualify.
Total Visa® Card Pros & Cons
The Good The Bad
  • Considers applicants with fair or poor 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

Is there a Total Visa® Card cash back or rewards program?

No, Total Visa® Card does not offer a rewards program.

What are the relevant APRs for Total Visa® Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Total Visa® Card has higher than average purchase APRs.

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

Does Total Visa® Card have an introductory APR offer on balance transfers?

No, Total Visa® Card does not come with an introductory APR offer for balance transfers.

Does Total Visa® Card have an introductory APR offer on new purchases?

Total Visa® Card does not offer an introductory rate on new purchases.
Total Visa® Card Purchase Intro Offer
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Total Visa® Card?

The following fees apply to Total Visa® Card:

Total Visa® Card Fees
Fees Amount
Annual Fee $75 (Annual fees vary by year)
Initial Program Fee $89
Returned Payment Fee up to $40
Late Payment Fee up to $40

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

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 can 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.


  • Headquarters
  •   The Bank of Missouri
    PO Box 85710
    Sioux Falls, SD 57118
  •   Visit Site

About Total Visa® Card

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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.


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

Feature Breakdown

Initial Program Fee $89
No Interest Grace Period for Late Payment 21 days
Paper Statement Fee $0
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $75
Minimum Interest Charge $0.50
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
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
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • 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 (Variable APR) 34.99%
Balance Computation Average Daily Balance (including new purchases)
Credit Limit Up to $300
Purchase APR (Variable APR) 34.99%
Card Type Bad Credit
Card Network Visa

Total Visa® Card Community Reviews


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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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