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Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Total Visa® Card

  • Earn 1% cash back rewards on payments made to your Total Credit Card
  • Checking Account Required
  • $300 credit limit (subject to available credit)
  • No security deposit, simply pay a one-time $95 program fee to open your account.*
  • User friendly Mobile App.
  • *See Rates, Fees, Costs & Limitations for complete offer details https://totalcardvisa.com/pdf/TotalVisa_rates_fees_costs_and_limitations.pdf
  • See Total Card Visa Rewards Programs Terms & Conditions for details https://images.totalcardinc.com/documents/TBOMrewards.pdf
Regular APRAnnual FeeCredit Needed
35.99%*$75.00 1st year, $48.00 after*Fair/Bad Credit

Offer Details

Acceptance Criteria
Credit Needed
Fair/Bad Credit
APR Overview
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
35.99%*
Fees And Charges
Balance Transfer Fee
N/A
Annual Fee
$75.00 1st year, $48.00 after*
Rewards
Reward Type
cash back

168 Product Reviews

New York
Bad
1 month ago

This card is a joke. Your fees are outrageous and the only thing this card does is take advantage of people who are already in a bad situation.

Lorraine Charles
Second Chance
4 months ago

Total gave me a second chance

joe
wait
5 months ago

well I waited to see if they were close it out at a zero balance it's been 16 years and it's still active at $48 a year do the math

Johnny Jackson
GREAT CARD
5 months ago

We have bad credit for a reason. Use this tool to help. It cost $ to fix our own problems.... Get the card.....

Denisse
Worst card ever
6 months ago

"Their telephone numbers are always busy, they charged me twice for late payment fees even that I have an automatic payment every month, they charge you for everything, this card is the worst, there are better credit cards. "

Robert chapman
worthless
6 months ago

got the card 300 limit tried to make my payment on their site wouldn't take it called customer service closed the card out and paid the balance off in full over the phone for a 300 limit not worth the trouble

Terri
So far So good
6 months ago

After reading a lot of reviews, it seems people like me who have a score of less 600 need a reality check. With low scores you need help moving them up, this is simply a leg up. Deal with the fees and the outragous interest rates, this is a small line of credit to guide you. Pay what you must and follow the rules wisely and it WILL help your score ! There aren't a whole lot of options out there !

B
Charge everything they could
6 months ago

Don’t apply for this card because they will charge you every single thing they could

Junior
Review three
8 months ago

"I don’t know what the negative reviews are all about but to each their own and not every review is an honest review, I always say get the card experience it for yourself if you do not like the card, stopped charging, stop using it eventually they’ll close it out. It’s better for them to close out the card with a zero balance than it would be for you to cancel the card as it will hinder your credit, good luck everyone."

Junior
Review 2
8 months ago

"line of credit, I’ve had the card for a year now it is 2023 and my credit limit is now 400. \nAfter having this card for about a year, paying the bill faithfully by the due date in full, they invited me to apply for the visa total visa select card. Which I’ve had for a little over six months now, and I continue to pay the card as promised just like the original Total Card. My credit score went from a 582 a healthy 670 in TransUnion 675 Experian and 700 Equifax this card got me there."

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Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.

†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.

Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click to apply, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.

Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s terms and conditions for additional details.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.