Finding an unsecured card might be hard, especially when you have a poor credit, but the Total Visa® Unsecured Credit Card is available to a wide range of credit types including those with low scores. This is a perfect card for those who struggled getting credit in the past!
If you’re looking to improve your credit, this card is a good chance for redemption since it offers benefits to those with low scores. Not only that, it also regularly reports to all three credit bureaus; with responsible credit usage and on-time payments, you could help build your credit.
(Visit the link above to sign up for the Total Visa® Unsecured Credit Card Review)
View and compare credit card options:
- Chase credit cards
- American Express credit cards
- Wells Fargo credit cards
- Citi credit cards
- Capital One credit cards
Learn more about this card’s fees and features below!
Total Visa® Unsecured Credit Card Summary
| Bonus Available | No sign-up bonus available for this card |
| Ongoing Rewards/Benefits | No rewards and limited perks |
| Program Fee | See Terms |
| Foreign Transaction Fees | Not available |
| Annual Fee | See Terms |
PROS
- No security deposit required
- Reports to all three credit bureaus
CONS
- More expensive than a secured card in the long run
- Limited on how you can use it
- Low credit limit
Total Visa® Unsecured Credit Card Features
- Checking account required
- Fast and easy application process; response provided in seconds
- A genuine Visa® card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- $300 credit limit (subject to available credit).
- Multiple card designs available
- Reports monthly to all three major credit bureaus
- Rebuilding credit depends on factors like making on-time payments, keeping balance below credit limit and paying at least the minimum monthly payment.
No Rewards & Limited Perks
This card does not offer or include any rewards program, so as a cardholder you won’t get to enjoy other perks such as account alerts or additional insurance. The Total Visa also doesn’t allow foreign transactions, so you won’t be able to use the card at all while traveling abroad.
So if you’re interested on accessing added benefits like the ones listed above, you should consider looking into other cards.
Total Visa® Credit Card Fees
The Total Visa® Unsecured Credit Card has a series of fees, including an account program fee for opening the account and a first-year annual fee. After your first year, your yearly fee drops. However, you’ll still have a monthly service fee.
Total Visa® Unsecured Credit Card Features
- Manageable monthly payments
- Reports monthly to all three major credit bureau
- Accepted by merchants throughout the USA and online
- Checking account required
Who is this card for?
Total Visa® Unsecured Credit Card accepts applications from people who are interested in looking for a true VISA® credit card that does not require perfect credit for approval. People who want a fast application process with a response provided in seconds. People who want reporting to all three credit bureaus.
Author’s Verdict
If you’ve had trouble getting a credit card application accepted and need to open a card as soon as possible, consider looking into the Total Visa® Unsecured Credit Card.
Keep in mind that with the high interest rate, it’s recommended that you pay off your balances each month. Make sure to also visit BankDealGuy to explore more credit card bonuses. If you’re indecisive of which card best suits you, see our post on the Best Credit Card Categories!
(Visit the link above to sign up for the Total Visa® Unsecured Credit Card Review)
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The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
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