Total Visa® Unsecured Credit Card review

Total Visa® Unsecured Credit Card review

Published: October 7, 2020

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Published: October 7, 2020

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Ratings Policy
Credit Building Rating:
0.6 rating
0.6 rating
0.6 / 5
Cost of Membership0.0
Ease of Building Credit2.8
APR0.3
Features0.0

In a Nutshell:

While the Total Visa Unsecured doesn’t require a security deposit, cardholders will be buried in additional program fees.

Learn more about this card

Average cost of membership per year ($3,600 annual spend)
$152

Poor

Security deposit required
$0

Excellent

Initial credit limit
$300

Poor

Access to higher credit line?
Not specified

Average

APR
See terms

Poor

Annual fee
See terms

Poor

Other rates and fees

  • Cash advance fee: See terms
  • Minimum interest charge: See terms
  • Late or returned payment: See terms
  • Authorized user card fee: See terms
  • Program fee: See terms
  • Monthly servicing fee: See terms
  • Credit limit increase fee: 20% of increase amount
Average

Rewards
None

Poor

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, including an easy application process and no required security deposit. But with a high annual fee, program 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.

No specified timeline for credit limit increase

The initial credit limit for the Total Visa Unsecured is on the lower side, at $300. This is also reduced by your annual fee, and unlike a secured credit card, you won’t be able to increase this limit by paying a bigger deposit up front.

The Total Visa Unsecured also doesn’t specify a timeline for reviewing your account for a credit line increase. If you do request an increase and are approved, you’ll also have to pay a 20 percent credit limit increase fee. So if you increase your credit limit by $100, you’ll be charged $20.

Higher than average APR

Even for a card available to those with lower credit, the Total Visa has a high APR, and all cardholders are charged the same high rate, regardless of credit history. 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® Cash Rewards Credit Card offer lower APRs.

Numerous additional fees and restrictions

In addition to its high annual fee, the Total Visa Unsecured credit card charges users a slew of other fees that make the card expensive to own.

In your first year, you’ll not only pay an annual fee, but also a one-time activation fee. After year one, your annual fee is reduced, but you’ll have to pay additional service fees, making this card expensive to hold onto long term.

The card also carries fees for each extra card you add to your account, so if you need to add any cards for authorized users, this is probably not the best option for you. Plus, anytime you have to pay interest, you’ll be charged a minimum interest fee. While this fee is low, it can make a substantial difference over time.

In short, 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.

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.

How to use the Total Visa Unsecured:

  • Make your payments on time to avoid high interest charges.
  • Avoid adding authorized users or taking out cash advances to limit fees.

2020’s best secured credit cards that help to build credit

*The information for the Citi Secured Mastercard, and the Green Dot primor Visa Gold Secured Credit Card has been collected independently by CreditCards.com. The card details on this page have not been reviewed or provided by the card issuer. 

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All reviews are prepared by CreditCards.com 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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