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.

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. However the only downside of this card is that cardholders will have to pay a few fees in order to access those benefits.

Continue reading below to learn more about the fees and this card’s features.

TOP CREDIT CARDS PROMOTIONS
Ink Business Preferred® Card 90K Points after $8,000 spend within first 3 months	Ink Business Unlimited® Credit Card $750 Bonus after $6,000 spend within 3 months
Capital One Venture X Business 150K Miles after $30,000 spend within 3 months	Ink Business Cash® Credit Card Up to $750 Bonus: Earn $350 after $3,000 spend in the first 3 months and an additional $400 with $6,000 spend in the first 6 months.
Chase Sapphire Preferred® Card 100K Points after $5,000 spend within 3 months.	Chase Freedom Flex^SM $200 Bonus after $500 spend within 3 months
The Platinum Card^® from American Express 80K Points after $8,000 spend within 6 months. Terms Apply.	Capital One Venture X Credit Card 75K Points after $4,000 spend within 3 months.
American Express^® Gold Card 60K Points after $6,000 spend within 6 months.	Chase Freedom Unlimited® Card $200 Bonus after $500 spend within 3 months
Chase Sapphire Reserve® Card 60K Points after $4,000 spend within 3 months.	Capital One Quicksilver Cash Rewards Card $200 Bonus after $500 spend within 3 months

Table of Contents

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

Apply Now at Total Credit Solution

(Visit the link above to sign up for the Total Visa® Unsecured Credit Card Review)

Recommended Free Credit (Get Score)

350-850 (Poor – Excellent)

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, you should consider looking into other cards.

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 bureaus: As a cardholder, when you continue to pay your balance of each month, on-time payments get sent to all three credit reporting agencies instead of one or two. The result? All three bureaus will take note of your credit habits as you practice financial discipline.
Accepted by merchants throughout the USA and online
Checking account required: You need to have a checking account in order to get approved for the Total Visa Credit Card since it will be used to facilitate monthly payments.

Bottom Line

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.

If you decide to open one, make sure to make your payments on time to avoid high interest charges and you should avoid adding authorized users or taking out cash advances to limit the fees.

For more credit cards, see our latest list of other best credit card bonuses!

View more credit card options.

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.