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
See Total Card Visa Rewards Programs Terms & Conditions for details
Editors Review
One of not-so-many credit card offers available for a people with bad credit.
Pros
- A real credit card for bad credit - no need for security deposit.
- Reports to all 3 major credit bureaus
Cons
- The credit limit is $300, $99 of which will be subtracted from it as a first-year annual fee
- High fees. First-year costs will be $99 annual fee out of pocket, plus $89 program fee resulting in $188 for the first year.
- After the first-year costs will be $48 annual fee+$99/year monthly fee resulting in total $147 per year.
Verdict
A choice of a credit card for a poor credit situation is very limited. Total Visa® Card is one of the cards that can help you to have a good start. We can recommend getting this card if you have a not so perfect credit score and low chances of getting approved by major credit cards. However, high fees, associated with the card make it impractical to keep it after your credit score reaches a fair credit range.
Another possible case for using this card is if you are unwilling to freeze the money on a security deposit with a secured card - Total Visa® Card will provide you with a $300 credit limit (after taking off $99 first-year annual fee).
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