Do you want a credit card but don’t have great credit? You’re in luck! The Total Visa® Credit Card is perfect for people who are looking to improve their credit scores. With this card, you’ll be able to start building your credit history and get on the path to a better financial future.

With responsible use, you can repair your damaged score in just a few months. Not only that, but you’ll be able to enjoy the purchasing power of a real Visa credit card. So don’t let the mistakes of the past get in the way of a better future. Read our full Total Visa® Credit Card review to learn how this card can help you achieve your financial goals.

Check the card’s most prominent features below and keep reading to learn everything you need to know about this product. That way you can make an informed decision and see if this is the credit card you’ve been looking for. 

Issued by The Bank of Missouri, the Total Visa® Credit Card has nationwide Visa coverage and you can use it to make purchases online and in-store. Since it’s an unsecured card, you won’t have to worry about putting down a security deposit in order to use it. 

This is a card designed to help people with a less-than-perfect score to get their finances on track. So while it doesn’t offer a sign-up bonus or rewards on purchases, it reports all monthly payments to the three main credit bureaus in the U.S. That said, with responsible use, you’ll be able to rebuild your credit rating in no time.

You’ll need a checking account to apply for this card, and the initial credit limit is $300. All credit levels are welcome to apply, and the application process is simple – you get to know if the card is available to you within seconds. 

The part where the Total Visa® Credit Card falls short is the amount of fees the company charges its cardholders. Meaning you’ll have to pay a one-time program fee of $89 to open your account. Then, a $75 annual fee during the first year of use (which is assessed as soon as the card’s issued to you, reducing your credit limit to $225), and $48 every year after that.

During the second year, you’ll also have to pay a monthly fee of $6.25. That accrues to $123 in fees every year you keep the card. The card’s regular APR is also one of the highest in its segment, at 34.99%.

While the card does a good job at helping customers repair their damaged score, there are also a few disadvantages of owning a Total Visa® Credit Card. See the pros and cons next so you can decide if this product is the right one for you. 

Since this is a card made to help people rebuild their scores, all credit levels are welcome to apply. However, the institution takes more than your score into consideration for approval. However, the Total Visa® Credit Card has a fast and easy application process and you can learn if you’ve got the card in just a few seconds. 

If you’re interested in getting your financial life back on track, follow the link below to learn how to apply for a Total Visa® Credit Card. It’s easy, fast and you can do it from the comfort of your home.