Credit Cards
Total Visa® Card Review: Fast and Powerful Card!
Discover the Total Visa® Card, a credit card that doesn't demand a credit history. This comprehensive review unveils its unique features, including cashback rewards.
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Your credit score opens doors instead of closing them
Looking for a card that doesn’t mind you not having a credit history? You’ve found it. And it’s not just that. The Total Visa® Card also offers cashback and a few surprises. Check it out.
Follow our comprehensive review and grab your application! Because you’ll want to get to know this card better. The Total Visa® Card just asks you to keep an eye on the interest rates!
Credit Score | Not required; |
Annual Fee | $75.00 in the first year, and after that, $48.00; |
Purchase APR | 35.99%; |
Cash Advance APR | 35.99%; |
Welcome Bonus | N/A; |
Rewards | 1% Visa Cashback. |
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The ins and outs of the Total Visa® Card
Once, someone complained that they were looking for a job, but all the positions required experience. However, they didn’t have any. And in this way, how could they ever get any?
The same idea holds true for a credit score. If you don’t have bills to pay, how will you prove that you’re a good payer? That’s where the Total Visa® Card comes into play.
And how does it work? Well, it shares your payment report. That’s right, the good news about your new financial life will be heard. And all this while you continue making your purchases.
Using all the convenience and security of a Visa card. And we haven’t even mentioned the cashback program. This way, you’ll join the ranks of cashbackers.
Recover your score while saving some money. It sounds incredible, and it comes with a cost. In this review, you’ll find every detail. So, draw your own conclusions!
Total Visa® Card: is it worth it?
Total Card does not require a security deposit for approval. This makes the Total Visa® Card an affordable option for individuals with poor or limited credit.
If this is your situation. But there’s more to talk about regarding the Total Visa® Card.
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Pros
- Customization: You’ll have two different free options to personalize your Total Visa® Card. Moreover, you can choose from six more designs for an additional $9.95.
- Quick response: The website promises an instant response to your application. So, pay close attention when filling out the application form.
- Visa for bad credit: Unfortunately, often the doors of major circuit cards remain closed. Therefore, this is an opportunity to have a Visa without your potential low credit score being an issue.
- 1% cashback: Earn rewards on your purchases. An advantage that pairs well with those looking to recover their finances.
Cons
- Program Enrollment Fee: You’ll pay it once. That’s right, it’s like ripping off a band-aid. You pull off the $95 all at once.
- Watch out for the second year: Starting from the second year, there will be a monthly maintenance fee. This amount will be close to $100 and will be charged annually.
- Cash Advance Fee: Initially, this fee won’t be charged during the first year. After that, there will be a charge of $10.00 or 3% of the amount of each cash advance you make.
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Credit score requirements for card application
The Total Visa® Card is a credit card designed for individuals with poor or limited credit and does not require a security deposit for approval. But that doesn’t settle the matter in itself.
However, Total Card does not publicly disclose its credit score requirements for Total Visa® Card application.
This means that the company evaluates each application on an individual basis, taking into account a variety of factors.
Ready to apply? Here’s how to get the Total Visa® Card
So far, we’ve thoroughly explored everything about the Total Visa® Card. This review covered each aspect, and we hope there are no lingering questions. But the journey doesn’t end.
It’s time for the next step. Our team has reviewed the step-by-step application process for the Total Visa® Card. Place your application with the necessary information. Follow along!
Applying for your card: Online
Here is the only secure way to apply for your Total Visa® Card. The logical step is to go to the official website and look for the apply button. Right from the start, you will be faced with a form.
Here, you will also notice that the whole process is divided into 4 main steps. The first one requires all your attention, which is correctly filling in your information.
Specify if you have an active checking account in the United States. And of course, not less important is the moment for you to choose the design of your card. Believe me, it’s something you’ll look at every day, after all.
Review the terms and conditions. This is the time for you to get familiar with the fees and costs of your Total Visa® Card. Yes, it’s the downside of any review. And here it won’t be different!
After submitting the application, you will receive a response from TotalCard shortly. If your application is approved, you must pay the program fee. So, you’ve got it!
Requirements
You need to link your Total Visa® Card to an active and valid checking account. To apply for the Total Visa® Card, you must also be at least 18 years old. It’s all pretty simple and straightforward!
Applying for your card: App
Currently, there is no mobile app from TotalCard that allows you to apply for the Total Visa® Card.
The TotalCard app is only for checking information about the card, such as balance, statements, and extras.
If you want to apply for the Total Visa® Card, you should do so through the Total Card VISA website.
Total Visa® Card or Mission Lane Visa® Credit Card?
And if you’re waiting for options, then make a good comparison right away. After all, everyone likes to choose, knowing well what the possibilities are. So, enjoy the picture.
Total Visa® Card | Mission Lane Visa® Credit Card | |
Credit Score | Not required; | Bad/Poor credit; |
Annual Fee | $75.00 in the first year, and after that, $48.00; | From $0 up to $59, as this card has different versions; |
Purchase APR | 35.99%; | From 26.99% to 33.99%; |
Cash Advance APR | 35.99%; | 3% of the total amount (which can not exceed 25% of your credit limit) or a minimum of $10; |
Welcome Bonus | N/A; | N/A; |
Rewards | 1% Visa Cashback. | N/A. |
Here, a difference between the two becomes clear. One has the advantage of cashback. However, the cost of the Mission Lane Visa® Credit Card can be zero. So, it’s worth comparing.
Apply for Mission Lane Visa® Credit Card
Learn how to apply for your Mission Lane Visa® Credit Card without fear of credit checks! We’ll tell you how to do it in this post!
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