Apply NowMany 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
| Intro Balance Transfer APR | Intro Purchase APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | N/A | 35.99%* | $75.00 1st year, $48.00 after* | Fair/Bad Credit |
Offer Details
160 Product Reviews
Review three
1 month 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."
Review 2
1 month 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."
Review one
1 month ago"Let’s Begin back in 2015 I apply for this credit card within a year. I screwed up and I ended up overcharging the card, hurting my credit, and the end result was them closing my account and sending it over to collections. Unfortunately because of the circumstances, I was not able to pay and get it off of my collections however, I reapplied for the card four years later, and I was approved. most credit card have a second chance policy , which is why I was approved for 300"
Small limit increase
5 months agoI knew when I got this card not to expect much, my credit wasn’t great. They approved me for $300. Annual fee I was ok with, even paying the monthly fee was ok. Now my score has gone up 150 points (for many reasons), and I've had the card over 3 years. In that time, I've never missed or had any late payments on anything. They've granted 2 credit limit increases. Each one was only $50. That's the real issue for me. Works well enough to start, but when you're able, get a higher limit elsewhere.
Not a bad card
10 months agoSeems people are mad cause of that fee they ask for before they send the card out. Well that's what happens when your credit sucks. I like this card, yeah there are fees but that's what happens when trying to build credit. It has helped my score go up by 200 points so far. I was at 400 today I am at 590. I have never had a score that high, I messed it up in high school. Totally worth the fees.
Too many fees
1 year ago"Had this cards not even a year , not worth it. Annual fees not a problem. But then they charge you in top of that 6.25 a month even if your balance is zero . I used this card to build but ended up closing it, which sucks because it hurt my credit score . Because it was a 300 limit and would charge like $50 then pay it off . But I’d rather close it then paying all those extra fees . STAY AWAY lol seriously "
It's an Expensive Card to Have!
1 year agoIt's an Expensive Card to Have, but it works well & reports every month to the credit bureaus. I am going to be closing it soon, as I don't need it any more. I'll just have to go ahead & take the credit hit to do so, before the annual fee comes up.
Love it
1 year ago"I’ve had my card for 4 months now and haven’t had any issues and my credit score has went up a bit already so I have nothing bad to say"
Unreal
1 year agoSome of you say your score is 400 & 500, do you think you will get a 0% card? If you really want to build or rebuild you start somewhere first
There are better options
1 year agoI got when I started trying to rebuild my credit. Problems from the start, the card wouldn't work, then I was charged for an authorized user card that I never got. Then, when that authorized user card did arrive after my original card expired, it was in the wrong name! I now have cards with better terms and higher limits, but very little of that had to do with this card. Customer service is terrible.
Like This Product? Tell Us Why
Help fellow Credit Sesame members save money. Share your insights with a review!
These responses are not provided, reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts are answered.
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 on the “Apply Now” button, 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.
