Overview

Total Visa Card is designed to assist individuals with poor credit or limited credit history in building or rebuilding their credit profiles. Issued by The Bank of Missouri, this credit card serves as a tool for credit improvement, particularly for those with a history of bankruptcy.

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Total Visa^® Card

• An initial credit limit Up To $500! (See terms*)
• Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card.
• Checking account required.
• Free credit monitoring powered by TransUnion^®
• Fast and easy application process.
• All credit types welcome to apply.
• *See Rates, Fees, Costs & Limitations for complete offer details
• See Total Card Visa Rewards Programs Terms & Conditions for details

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

See Terms*

Credit Needed

Fair / Bad

Card Benefits

One notable feature of the Total Visa Card is its accessibility, catering to individuals with less-than-ideal credit scores. It offers them an opportunity to improve their credit profiles. In addition, as an unsecured credit card, the card does not require a security deposit to open an account. This makes the card more accessible to a broader range of individuals.

The Total Visa Card typically comes with a low initial credit limit. However, the credit limit has the potential to increase over time with responsible use and on-time payments.

The card issuer reports cardholder activity to major credit bureaus on a monthly basis. Consequently, it offers cardholders an opportunity to positively impact their credit scores through responsible credit usage.

Furthermore, Total Visa Card offers 1% cash back on purchases, which helps you earn a little rewards while building credit. As a VISA card, the Total Visa Card is widely accepted by merchants worldwide. And its online account management features provide convenience, allowing cardholders to make payments, check balances, and monitor transactions.

Fees

It’s important for cardholders to be aware of the associated fees, as the Total Visa Card comes a one-time program fee of $95.00. It also has an annual fee of $75.00 for the first year, and $48.00 thereafter.

Is Total Visa Card the right card for you?

For individuals with less-than-perfect credit, the Total Visa Card presents a valuable opportunity to rebuild credit. As an unsecured card, it eliminates the need for making an initial security deposit. Most importantly, this card reports to all three major credit bureaus—Experian, TransUnion, and Equifax. This reporting mechanism ensures that responsible credit behavior, including making timely payments, will have a positive impact on the cardholder’s credit history. For individuals aiming to repair or build credit, the Total Visa Card proves to be an effective tool when used responsibly.

Similar Cards for Credit Building

Similar to the Total Visa Card, a few other credit cards offer similar benefits.

Credit Card		Credit Building	Annual Fee
	Prosper® Card	No security deposit required Initial credit limit up to $3,000 While you wait for your Prosper Card to ship, use a portion of your credit line instantly through Digital Wallet, MyProsperCard App, or Prosper.com	$59 (waived for the first year if you sign up for autopay before your first statement)
	Revenued Business Card	Approvals based on your business revenue and not personal credit	$0
	OpenSky® Plus Secured Visa® Credit Card	New feature! Earn up to 10% cash back* on everyday purchases No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply! Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months Monitor your credit progress with free access to your FICO Credit Score. Secure your credit line with a refundable security deposit - as low as $300. Now you can make smaller partial payments towards funding your security deposit over 60 days	$0
	Destiny Mastercard®	A guaranteed $700 credit limit to help get your financial goals on track, if approved. Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work. Apply with Confidence! There is no impact to your credit score if you're not approved. See terms. No security deposit required-get started today!	$175 the first year; $49 thereafter
	Reflex® Platinum Mastercard®	Up to $1,000 Initial Credit Limit See if you Pre-Qualify with No Impact to your Credit Score Unsecured credit card requires No Security Deposit Monthly reporting to the three major credit bureaus Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)	$75 - $125
	Surge® Platinum Mastercard®	Up to $1,000 Initial Credit Limit See if you Pre-Qualify with No Impact to your Credit Score Unsecured credit card requires No Security Deposit Monthly reporting to the three major credit bureaus Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)	$75 - $125
	FIT™ Platinum Mastercard®	$400 Initial Credit Limit Unsecured credit card requires No Security Deposit Monthly reporting to the three major credit bureaus Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)	see terms

The post Total Visa® Card Review – Rebuild Credit with an Unsecured Card appeared first on CardBenefit.

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Card Issuer

The Bank of Missouri

Network

Visa

Card Category

Fair Credit

Required Credit

Fair / Bad

Rate this card:  

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Total Visa^® Card

• An initial credit limit Up To $500! (See terms*)
• Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card.
• Checking account required.
• Free credit monitoring powered by TransUnion^®
• Fast and easy application process.
• All credit types welcome to apply.
• *See Rates, Fees, Costs & Limitations for complete offer details
• See Total Card Visa Rewards Programs Terms & Conditions for details

Intro APR

N/A

Intro APR Period

N/A

Purchase APR

35.99%*

Annual Fee (rates & fees)

See Terms*

Upgrade Life Rewards Visa^®

Upgrade Cash Rewards Visa^®

Upgrade Triple Cash Rewards Visa^®

The post Total Visa® Card appeared first on CardBenefit.

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Card Issuer

Continental Finance

Network

Mastercard

Card Category

Bad Credit

Required Credit

Fair / Poor / Bad

Rate this card:  

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FIT™ Platinum Mastercard^®

• $400 Initial Credit Limit
• Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
• Unsecured credit card requires No Security Deposit
• Perfect card for everyday purchases and unexpected expenses
• Monthly reporting to the three major credit bureaus
• Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
• Use your card everywhere Mastercard is accepted at millions of locations
• Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

Intro APR

N/A

Intro APR Period

N/A

Purchase APR

35.90% Fixed

Annual Fee

See terms

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The post FIT™ Platinum Mastercard® appeared first on CardBenefit.

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Card Issuer

The Bank of Missouri

Network

Mastercard

Card Category

Average Credit

Required Credit

Fair / Good

Rate this card:  

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Milestone^® Mastercard^®

• Get a guaranteed $1,000 credit limit if approved!
• Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
• Don't Have Perfect Credit? No Problem!
• Join over a million consumers who are working on building their access to credit.
• Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
• Get the credit you deserve, even with less-than-perfect history.
• No security deposit, and a path to better credit.
  *Dependent on credit worthiness

Intro APR

N/A

Intro APR Period

N/A

Purchase APR

See terms

Annual Fee

See terms

Capital One Platinum Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card

The post Milestone® Mastercard® appeared first on CardBenefit.