Total VISA Unsecured Credit Card

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Even if your credit is bad, you can do a lot better than this card.

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The Total VISA Unsecured Credit Card is a card for someone who has few, if any, other options when it comes to credit, but who can’t fathom opening a secured credit card. Still, the Total VISA carries a double-whammy of high fees and a high annual percentage rate.

Review

When you have poor credit, your choices can be limited. But if you’re savvy enough to read a review of this card, then you’re smart enough to understand why you shouldn’t get this card. The thing is, you can do better, much better.

Although this card is easy to get approved for, the exorbitant fees and high APR make it a terrible pick. You’re charged a fee to open the account, an annual fee and a servicing fee. If you’re serious about trying to rebuild your credit, choose another card that won’t ding you for every little thing.

Who should get this card

Anyone who does not have good credit, wants fast approval for a card and doesn’t mind paying a lot of fees for card ownership should consider this card.

Advantages
  • You’ll likely be approved for this card even with a poor credit history.
  • This card reports to all three of the major credit bureaus, so with regular, on-time payments you could improve your credit score.
Disadvantages
  • The card’s variable APR is high (see rates & fees for details), so if you carry a balance you’ll pile on the finance charges.
  • You’re not allowed to use your card outside of the United States.
  • You have to pay with the card inside at gas stations, as this card will automatically block you from using it at the pump as a fraud safety protection.
  • The billing cycle is 21 days, which is shorter than most other credit cards, which typically have billing cycles between 25 and 35 days.

Fees and APR

  • There’s a one-time processing fee when you open the account.
  • See terms for annual fee information.
  • There is an annual servicing fee in addition to the annual fee. See terms for more information.
  • Late payments won’t affect your APR but you will have to pay a fee.

Extras and perks

If you have paid your balance on time for at least six billing cycles, you can request a higher credit limit.

You can personalize your card with a choice of six different designs.

How this card compares

Capital One® Secured MasterCard®
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Credit Needed

Limited, Bad

Regular APR

24.99% (Variable)

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfers Intro APR

N/A

We give kudos to the Capital One Secured MasterCard for not charging an annual fee and being one of the only secured cards that potentially lets you deposit less than your credit limit.

If you can’t afford a $200 security deposit all at once, Capital One Secured is a great option for its installment plan. This makes the Capital One card a solid choice for someone trying build (or rebuild) their credit history.

OpenSky® Secured Visa® Credit Card
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Credit Needed

No credit check

Regular APR

19.14% (variable)

Annual Fee

$35

Purchase Intro APR

N/A

Balance Transfers Intro APR

N/A

The two reasons you may want to apply for the OpenSky Secured Visa Credit Card is if you don’t own a checking account, but still want access to a credit card, or if you’re looking for a secured card with a decent annual percentage rate.

Discover it® Secured
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • We automatically match all the cash back you've earned at the end of your first year.
  • Receive Free Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.
Credit Needed

Limited/Bad Credit

Regular APR

24.99% Variable

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfers Intro APR

10.99% for 6 months

If you have a bank account but limited or poor credit history, the Discover it® Secured Card is a terrific choice to help build your credit and earn cash-back rewards, too.

We also like that you can quickly graduate to an unsecured Discover card with just seven months of good payment behavior.

EDITORIAL NOTE

Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines, or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.