Total Visa® Unsecured Credit Card

Robin Saks Frankel  in  No Credit History Advertising Disclosure
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Recommended Credit Score

Fair to Bad (0 - 740)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On The Bank of Missouri's secure website

Best unsecured credit card for rebuilding bad credit

Annual Fee:
See Terms*
Purchase Intro APR:
N/A
Regular APR:
See Terms*
Terms and Restrictions Apply

Bankrate Rating

Commonly used for: Auto Rental Insurance, No Credit History, Poor Credit, Unsecured credit card, Zero Fraud Liability.

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 program fee when you open the account.
  • See terms for annual fee information.
  • There is a monthly 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’re approved, simply pay a Program Fee to open your account and access your available credit.
  • You can personalize your card with a choice of six different designs.