Total Visa® Credit Card: Benefits, Rewards, Fees, and How to Apply

Finding a credit card that combines accessible credit options with everyday benefits can make a difference for consumers working to improve their financial future. The Total Visa® Credit Card offers credit-building features, cash back opportunities, and practical tools to help manage an account with greater confidence.

Issued by The Bank of Missouri, this unsecured credit card is designed for consumers with less-than-perfect credit. Its monthly credit bureau reporting and rewards program are attractive features, but understanding the associated fees and conditions is essential before applying.

Benefits and Features of the Total Visa® Credit Card.

The  Total Visa® Credit Card offers a combination of rewards, credit management tools, and convenient features that can support responsible everyday use.

Earn Cash Back Rewards

The rewards program is one of the card’s most interesting features, offering two ways to earn cash back.

Cardholders can earn 1% cash back on qualifying payments made toward their credit card account, along with up to 10% cash back at select participating merchants.

The higher cash back rate applies only to eligible purchases at a limited number of participating merchants. Available offers and reward amounts may change, making it important to review the program’s terms.

Build Credit With Monthly Reporting

The Total Visa Credit Card reports account activity monthly to Experian, Equifax, and TransUnion, the three major U.S. credit bureaus.

Making payments on time and maintaining low balances relative to the credit limit may help establish a positive credit history. However, credit score improvements depend on individual financial circumstances and are not guaranteed.

Free Credit Monitoring

Cardholders receive access to free credit monitoring powered by TransUnion, providing a convenient way to stay informed about their credit activity.

This feature can help consumers follow changes in their credit profile and develop greater awareness of their financial progress.

Convenient Mobile App

The Total Visa mobile app allows cardholders to access their accounts using compatible iOS and Android devices.

Through digital account management, users can review account information, monitor transactions, and manage their credit card activity more conveniently.

Personalized Card Designs

Applicants can select from different card designs, including standard options available without an additional design fee. Premium designs are also offered for $9.95, allowing cardholders to personalize their card for an extra charge.

How Does the  Total Visa® Credit Card Work? Rates and Fees

The Total Visa Credit Card is an unsecured credit card, meaning applicants do not need to provide a traditional refundable security deposit. However, it includes fees that can affect the overall cost of maintaining the account.

Program Fee

Approved applicants must pay a $95 program fee before opening their account under the offer described in the issuer’s published materials. This is an account-opening charge, not a refundable deposit.

Annual Fee and Additional Charges

An annual fee and other account-related charges may apply according to the cardholder agreement.

Depending on the applicable terms, cardholders may also encounter maintenance fees, late payment fees, returned payment charges, or transaction-related costs. Reviewing the full fee schedule before accepting an offer is essential.

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Interest Rates

The card’s purchase APR is disclosed in the applicable terms and conditions.

Carrying an unpaid balance may result in interest charges. Paying the statement balance in full by the due date, when grace-period conditions apply, can help avoid purchase interest.

Credit Limit

The initial credit limit depends on the issuer’s approval decision and the applicable offer.

Certain fees charged to the account may reduce the credit available for purchases, so applicants should consider both the assigned limit and the account’s costs.

Total Visa Credit Card Eligibility Requirements

The Total Visa Credit Card is intended for consumers with less-than-perfect credit, but applicants must still satisfy the issuer’s requirements.

Basic application conditions include:

• Being at least 18 years old.
• Residing in the United States.
• Providing a valid residential address.
• Submitting accurate personal and contact information.
• Completing any required identity verification.
• Meeting the issuer’s approval criteria.

The application also asks whether the applicant has an active checking account.

Approval is not guaranteed, and additional documentation may be requested during the review process.

How to Apply for the  Total Visa® Credit Card.

Applying online is straightforward and involves four main steps:

1. Visit the Official Website: Open the Total Visa application page.
2. Complete the Form: Enter your personal information and choose a card design.
3. Review and Submit: Check the rates, fees, and terms before submitting your application.
4. Complete Account Opening: If approved, pay the required program fee and follow the instructions to receive your card.

Always review the final offer carefully before accepting it.

Frequently Asked Questions

1. Is the Total Visa Credit Card secured?

No. It is an unsecured credit card, so a refundable security deposit is not required. However, an account-opening program fee applies.

2. Can I use the Total Visa Credit Card internationally?

International transactions are subject to the card’s applicable terms, restrictions, and fees. Review the cardholder agreement before using it abroad.

3. Can the Total Visa Credit Card improve my credit score?

Responsible use, including timely payments and maintaining low balances, may support credit improvement. However, results vary, and no credit score increase is guaranteed.

4. Who issues the Total Visa Credit Card?

The card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

Is the Total Visa Credit Card Worth It?

The Total Visa Credit Card combines credit-building tools, cash back opportunities, and convenient account management features. While these benefits may appeal to consumers rebuilding their credit, understanding the card’s fees and interest charges is essential before applying.

Explore the Total Visa Credit Card’s benefits, review its official terms, and check your eligibility to discover whether it fits your financial goals.