Total Visa® Credit Card Reviews 2024

Examining the features and benefits of the Total Visa credit card for consumers with limited or poor credit

Apr. 11, 2026 at 3:49pm

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An extreme close-up of various metal components and machinery, representing the complex mechanics that underpin the banking industry and financial security.The inner workings of the banking system, captured in a dramatic, industrial-inspired visual that conveys the weight and importance of financial infrastructure.Perryville Today

The Total Visa® Credit Card is an unsecured Visa card designed for individuals with limited or poor credit histories. While it offers the convenience of a Visa card and reports payment activity to the major credit bureaus, the card also comes with an annual fee and relatively low credit limits compared to other credit cards. This article provides an in-depth review of the Total Visa card's features, costs, and overall value proposition for consumers looking to build or rebuild their credit.

Why it matters

The Total Visa card is one of the more widely advertised credit card options for people with bad or limited credit. Understanding the card's pros and cons is important for consumers to determine if it's the right fit for their financial situation and credit-building goals, especially compared to other bad-credit credit card alternatives like secured cards.

The details

The Total Visa card is issued by The Bank of Missouri, an FDIC-insured bank founded in 1891. The card has an initial credit limit of $300, with the first-year annual fee of $75 assessed upfront, leaving a starting available credit of $225. After the first year, the annual fee drops to $48. The card reports payment history to the three major credit bureaus, which can help consumers establish or rebuild their credit if used responsibly. However, the Total Visa also has a high APR of 34.99% and additional fees like a $29 late payment fee and a $25 over-the-limit fee.

  • The Total Visa card has been available since at least 2007, when the Credit Karma article was published.

The players

The Bank of Missouri

The FDIC-insured bank that issues the Total Visa credit card, founded in 1891 and headquartered in Perryville, Missouri.

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The takeaway

The Total Visa card can be a viable option for consumers with poor or limited credit who are looking to establish or rebuild their credit history. However, the card's high fees and interest rate mean it may not be the best long-term solution, and consumers should carefully consider their alternatives, such as secured credit cards, before applying.