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Total Visa credit card offers convenience, security and financial versatility for your users.
Total Visa
No hard credit check Fraud protectionThe Total Visa Credit Card is a straightforward option for individuals with less-than-perfect credit who need access to credit and an opportunity to rebuild their financial profile.
Designed for accessibility, this unsecured card doesn’t require a credit score for approval, making it a reliable choice for those looking to start fresh.
With regular reporting to all three major credit bureaus, the Total Visa Credit Card is a practical tool for establishing a positive credit history through responsible use.
No Credit? No Problem
The Total Visa Credit Card offers an easy application process with no hard credit check for pre-qualification. This makes it an excellent option for individuals who have been denied by other lenders due to poor or limited credit.
Once approved, the card provides an initial credit limit of $300, which can increase over time with consistent, responsible use. By making on-time payments and keeping balances low, users can gradually improve their credit score.
Essential Features for Credit Building
The card reports your payment activity to all three major credit bureaus, ensuring that your efforts to rebuild credit are documented. While it doesn’t include rewards or premium perks, it offers essential features such as fraud protection and online account management, providing security and convenience.
Pros and Cons
Pros
- Accessible to individuals with poor or limited credit.
- No hard credit check for pre-qualification.
- Reports to all three major credit bureaus.
- Fraud protection and online account management tools.
Cons
- High fees, including annual and monthly maintenance fees.
- Low initial credit limit of $300.
- High APR, making it essential to pay balances in full.
- No rewards or cashback program.
How Do I Know If the Total Visa Credit Card Is the Best Credit Card for Me?
The Total Visa Credit Card is ideal for individuals with poor credit who need an unsecured option to start rebuilding their financial profile. If you’re comfortable with the associated fees and prioritize credit-building over additional perks, this card is a practical choice.
However, if you’re looking for rewards, lower fees, or a higher credit limit, other options may better suit your needs. This card is best for users focused on rebuilding their credit with limited upfront requirements.
Why Do We Like This Card?
We like the Total Visa Credit Card for its accessibility and focus on helping individuals rebuild their credit. While it comes with higher fees, its easy application process and credit bureau reporting make it a valuable tool for improving financial health.
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