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Total VISA® Unsecured Credit Card review

Published: November 27, 2018

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Published: November 27, 2018

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Ratings Policy
Credit Building Rating:
0.7 rating
0.7 rating
0.7 / 5
Cost of Membership 0.0
Ease of Building Credit 3.3
APR 0.3
Features 0.0

In a Nutshell:

While the Total Visa Unsecured doesn’t require a security deposit and offers regular reviews for a credit line increase, cardholders will be buried in additional processing fees.

Learn more about this card

Average cost of membership per year ($3,600 annual spend)

Security deposit required

Initial credit limit

Access to higher credit line?
Account reviews upon request every 6 billing cycles

29.99% (variable)

Annual fee
$75 for the first year, $48 after that

Other rates and fees

  • Cash advance fee: 0% in the first year, 5% after that
  • Minimum interest charge: $.50
  • Late or returned payment: $38
  • Authorized user card fee: $29/year
  • Processing fee: $89 (one-time fee)
  • Monthly servicing fee: $0 in first year, $6.25 per month ($75 per year) after that


Features: $0 fraud liability, car rental insurance

The Total Visa Unsecured does offer some benefits to those with bad to fair credit looking to improve their credit scores, including an easy application process and regular reviews for increasing your credit limit. But with a high annual fee, processing fee and monthly servicing fee, cardholders will have to pay quite a bit for these perks.

Good approval odds

The biggest perk of the Total Visa Unsecured credit card is the low barrier of entry. Applicants with bad to fair credit are encouraged to apply and can find out if they’ve been approved in seconds. If you’ve had trouble getting a credit card application accepted and need to open a card as soon as possible, the Total Visa can be a good option.

Regular reviews for credit limit increase

The initial credit limit for the Total Visa Unsecured is on the lower side, at $225 after your annual fee. Unlike a secured credit card, you won’t be able to increase this limit by paying a bigger deposit up front.

You will however be eligible for account reviews every six billing cycles for a potential credit line increase. This is a pretty short period of time for a credit building card, and responsible spenders who make their payments on time can steadily increase their credit limit and improve their credit score. For cardholders with bad to fair credit who need a higher credit limit but don’t have the funds to place a large security deposit, the Total Visa can help you reach your goal a bit more quickly.

Higher than average APR

Even for a card available to those with lower credit scores, the Total Visa has a high APR. Every cardholder will be charged 29.99 percent. If you expect to have to carry a balance at all while using this card, it is probably not the best choice for you. Other unsecured cards such as the Credit One Bank® Visa® Credit Card and Capital One® QuicksilverOne® offer lower APRs, from 19.99 percent to 25.99 percent.

Numerous additional fees and restrictions

In addition to the high annual fee, the Total Visa Unsecured credit card charges users a slew of fees that make the card expensive to own. In the first year, the annual fee is a $75, and cardholders will have to pay a one-time fee of $89 to activate the card. Every year after that, the annual fee is reduced to $48, but users are charged an additional $75 a year in service fees.

If you need to add any cards for authorized users, this is probably not the best option for you. Each extra card will cost you $29 a year. Plus, anytime you have to pay interest, you’ll be charged a minimum of $.50. This might not seem like much, but a few cents a month can make a substantial difference over time.

With no rewards program to offset high costs, the Total Visa Unsecured is an expensive card to own. Before deciding if this is the card for you, consider just how much you are able and willing to pay to improve your credit score.

No rewards and limited perks

The Total Visa Unsecured credit card is pretty bare bones and doesn’t include any sort of rewards program. You won’t enjoy many other perks, like account alerts or additional insurances. The Total Visa also doesn’t allow foreign transactions and you won’t be able to use the card at all while traveling abroad.

If any of these benefits are important to you, consider options such as the Discover it® Secured. You’ll have to pay a security deposit, but the fees are much lower and you’ll earn cash back rewards.

Why get the Total Visa Unsecured?

  • You have bad to fair credit and want a quick application process.
  • You don’t want to put down a security deposit.
  • You want regular reviews for a credit line increase.

How to use the Total Visa Unsecured:

  • Make your payments on time to avoid high interest charges.
  • Submit regular requests for a higher credit limit.
  • Avoid adding authorized users or taking out cash advances to limit fees.

2018’s best secured credit cards that help to build credit

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All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

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