Last Updated: 07/28/2025
SuperMoney User Recommendation Score +20
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Total Visa® Credit Card Review
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
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Total Visa® Credit Card FAQ
Does Total Visa® Credit Card have a cash back or rewards program?
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| Every Purchase | Up to 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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
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