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Total Visa® Credit Card
in Credit Cards from The Bank of Missouri
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Total Visa® Credit Card

Claimed
in Credit Cards from The Bank of Missouri
SuperMoney Net Recommendation Score +18  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +18, equating to 3.4 on a 5 point rating scale.

+18

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

16 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 08/04/2023)
Balance Transfer APR  (Fixed APR) N/A
(Verified 06/17/2023)
Credit Score Range 550 - 620
Annual Fee $48 - $75
Number of Reviews 34

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

  • High APRs. 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 bad credit. Even if you have poor credit, you may still have relatively good approval odds.

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.

What are the relevant APRs for Total Visa® Credit 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® Credit Card has a fixed purchase APR of 35.99%. It also has a fixed cash advance APR of 35.99% .

Does Total Visa® Credit 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® Credit 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® Credit Card?

The following fees apply:

Total Visa® Credit Card Fees
Fees Amount
Annual Fee Starting at $48 up to $75 (Annual fees vary by year)
Overlimit Fee $
Initial Program Fee $95
Foreign Transaction Fee %
Returned Payment Fee Starting at $ up to $41
Late Payment Fee Starting at up to $41

This card charges a $48 annual fee.

What is the customer service phone number for Total Visa® Credit Card?

The Total Visa® Credit Card customer service number is (888) 547-6541.

What is the support contact email for Total Visa® Credit Card?

The support contact email for Total Visa® Credit Card is info@bankofmissouri.com.

What is the Total Visa® Credit Card login page?

You can access the Total Visa® Credit Card login page here.

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 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® Credit Card

  • Visit the Total Visa® Credit 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® 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

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® Credit Card

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View all credit cards offered by The Bank of Missouri
View The Bank of Missouri Profile

Other Credit Cards by The Bank of Missouri

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Initial Program Fee $95
Annual Fee $48 - $75
Minimum Interest Charge $1
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Up to $41
Paper Statement Fee $0
Late Fee Amount Up to $41
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required
Credit Score Range 550 - 620
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Categories
  • Up to 1% Cash Back on Every Purchase
Cash Advance APR (Fixed APR) 35.99%
APR Type Fixed APR
Balance Computation Average Daily Balance (including new purchases)
Credit Limit Up to $300
Purchase APR (Fixed APR) 35.99%
(Verified 08/04/2023)
Card Type
  • Bad Credit
Card Network Visa

Total Visa® Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +18, equating to 3.4 on a 5 point rating scale.

+18

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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Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution. This editorial content is not provided by any financial institution.

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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.