Total Visa Credit Card

The Total Visa Credit Card helps individuals with poor or limited credit rebuild their financial profile.

Credit Card

Total Visa Credit Card

Accessible Application Process No Rewards or Perks

Easy Approval for Individuals with Poor Credit

How to Apply You will remain on the current site

With fast approvals and minimal requirements, this card offers an easy entry point for those who might face challenges qualifying for traditional credit cards. 

While it doesn’t come with rewards, its primary value lies in its ability to help cardholders establish or rebuild their credit through responsible usage and on-time payments.

The Best Credit Card for Rebuilding Credit with Accessibility

The Total Visa Credit Card focuses on accessibility, providing a straightforward option for those ready to improve their credit. 

With applications that don’t require a perfect credit score and regular reporting to the three major credit bureaus, this card gives users the tools to demonstrate financial responsibility. 

Its simple features and acceptance wherever Visa is accepted make it a reliable option for credit recovery.

Pros and Cons

Pros

• Easy Approval for Individuals with Poor Credit
• Reports to All Three Major Credit Bureaus
• Accessible Application Process
• Accepted at Millions of Locations

Cons

• High Fees, Including Program and Annual Fees
• Low Starting Credit Limit
• No Rewards or Perks

How Do I Know if the Total Visa Credit Card Is the Best Card for Me?

The Total Visa Credit Card is a good option if you’re focused on improving your credit and need a card with simple qualification requirements. 

It’s ideal for individuals with past financial difficulties who are now ready to rebuild their credit through consistent on-time payments. 

However, its high fees and lack of rewards make it better suited as a temporary credit-building tool rather than a long-term financial solution. If you’re looking for a card with lower fees or rewards, you may want to explore alternatives.

Why Do We Like This Card?

The Total Visa Credit Card is a valuable tool for individuals seeking to rebuild their credit and gain access to a credit card without requiring a perfect financial history. 

Its straightforward approval process and regular reporting to major credit bureaus make it an excellent option for those focused on improving their credit score through responsible usage.

Despite its fees, the card’s primary value lies in providing a second chance to individuals with limited or poor credit. 

By making on-time payments and keeping balances low, cardholders can demonstrate creditworthiness, paving the way for better financial opportunities in the future.

While it lacks rewards and premium benefits, the Total Visa Credit Card serves as a practical solution for credit recovery.