Total Visa® Card Review (2021)

By Sa El

Credit expert, licensed Insurance agent, Real Estate agent, and Co-Founder of Credit Knocks

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While the Total VISA® Card is an unsecured card and will not require a deposit for approval; it still comes with some high policy fees and a High APR.  So, in this review I will show you if you should consider this card for rebuilding your credit.

total visa credit card review

On The Bank Of Missouri's Secure Website

Total VISA® Card


Annual Fee
See Terms

See Terms

Credit Needed 


Adds account to your credit reports


This card comes with several fees.


Apply in less than60 seconds.


Responds pretty quickly

    Credit Knocks Overall Star Rating:     

  • Credit building tool
  • Easy, secure online application!
  • Doesn't Require Perfect Credit
  • Reports to all 3 major credit bureaus
  • Approval in 60 Seconds
  • Annual Fee: See Terms 
  • High APR
  • $89 - One Time Fee
  • $6.25 monthly Fee
  • Credit Limit Increase Fee


The Total Visa® is for people with poor or limited credit, and is a great tool for rebuilding credit.

You don't need to put down a security deposit because it is an unsecured card for bad credit; however, the card will do a hard credit pull if you decide to apply and if you add up the amount of fees, you might be better off going with a secured card.

I created this review so that you can understand how their card works, its benefits and short comings.

On The Bank Of Missouri's Secure Website

What's The Total Visa® Card?

The Total Visa® Card was created by The Bank of Missouri mainly to help people who have little, poor, or no credit.

There is a "hard" pull on your credit if you decide to apply for the card.

This card will report to all three major credit card bureaus which in turn will help you build your credit history. 

Since this card is unsecured, it also means that there isn't any type of security deposit required to get approved for this card.

However, a lack of a deposit doesn't mean this card is cheap.  

To use this card you will get knocked over the head for a solid amount of fees so be aware of those.

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Who Is The Bank of Missouri?

The Bank of Missouri has been in business for more than 125 years and has been through the Great Depression and two World Wars. 

They serve millions of card members nationwide and has been awarded a 5-Star Rating from BauerFinancial, Inc., an independent bank rating company. 

What Makes Them Different?

What stands out most about the Total Visa® Card from The Bank Of Missouri is that they focus on helping people with bad or poor credit to re-build their credit profile.

They give you an initial credit limit of usually around $300.00 and allow for a fast application process all online. 

On the bad side, it stands out for not giving you the ability to use the card outside of the U.S.

Paying Your Fees

The card comes with a (one-time) $89.00 fee that is due upon your approval before you have access to your account and the card is activated.

Once the card has been activated, an annual fee (see terms) will be deducted from your available credit.  In the past, this has been $75 but you'll have to see the terms for current fees.

However, based on a previous fee of $75, if your credit limit was $300.00 then your initial available credit will be $225.00.

You need to make sure you pay it immediately so that your card doesn't report a balance.

If you plan to let the fee report, be sure to make the minimum payment if one is required. 

After the first year your annual fee will decrease to $48.00; however, you will start to have a monthly servicing fee of $6.25 per month. 

This means after the first year your annual fee is $123.00.

As you can see, these are huge fees, especially if you have a small limit, as we stated, there are some better options below if this is too pricey for you.

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Total Visa® Unsecured Credit Card

Below are some of the basic features of the Total Visa® Unsecured Credit Card:

  • Card type: Unsecured
  • Interest rate: See Terms
  • Program fee: $89 (one-time-fee)
  • Monthly Servicing fee: $6.25 per month after the first year
  • Annual fee: See Terms
  • Rewards: None
  • Security deposit: None
  • Foreign transaction fee: N/A - You can't use this card outside of the U.S.
  • Credit reporting: Reports payment history to all three credit bureaus.
  • Cash advance fee: None in the first year / $5.00 or 5%, whichever is greater.
  • Cash advance APR: See Terms
  • Late payment fee: Up to $39.00
  • Returned payment fee: Up to $39.00
  • Over The Credit Limit: None

I am not a fan of not being able to use this card outside of the U.S. 

On The Bank Of Missouri's Secure Website

Total Visa® Features

The Total Visa card has several features that make it a fine option to start rebuilding your credit.

The main features of this card include: 

  • Manageable monthly payments
  • Reports monthly to all three major credit bureaus
  • Accepted by merchants throughout the USA and online
  • Checking account required

The Total Visa® Card can help you establish a solid payment history. 

Requesting A Credit Limit Increase

One of the worst things about this card is that there is a fee to increase your credit limit. 

I mean, they are going to charge you, to give you more money to spend, I believe it is absolutely the worst policy a company could have.

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Total Visa® Credit Limit Increase Fee

After your Account has been open for at least one year, a fee of 20% of the amount of any increase in your credit limit may be charged to your Account as a Credit Limit Increase Fee.

For example: if your credit limit is increased by $100, a $20.00 Credit Limit Increase Fee will be assessed, which will result in additional available credit of $80.00 on your Account. This fee is automatically assessed upon your acceptance of each credit limit increase

Credit limit increases are an essential part to building your credit; however, I would never recommend using this feature for this card.

On The Bank Of Missouri's Secure Website

Total Visa® Pros & Cons



Improves Payment History

May Improve Credit Score

Increasing Annual Fee

Hard Credit Pull To Apply

Credit Limit Increase Fee

Alternatives To The Total Visa®

An unsecured Total Visa credit card is a great option to get things started with rebuilding your credit profile.  

However, there are much better options available for building or re-building your credit, and if you can, I would get more than one.

Credit Builder Loan Through Self Lender

While these loans have a small monthly fee attached to them,  they also pull your credit report for approval.

Just like with the Total Visa card, Credit Builder Loans report to all 3 credit reporting agencies.

The major difference is that it is an installment loan and not a revolving loan, but once the loan is paid off, the funds will be sent back to you.

We wrote a detailed guide here and a review of Self Lender here.

Catalog / Merchandise Account Through Fingerhut

Another great alternative are Catalog/ Merchandise Accounts.

While these types of accounts require a credit pull, it is very easy to get an approval and to start building your credit profile.

These accounts will report to all 3 credit reporting agencies; however, you can only use the credit at the Catalog or Merchandise company that gives you the credit.

One of the best catalog accounts comes from Fingerhut, we wrote a detailed review here

Steps To Take After You're Approved

The real work starts once you have been approved for your Total Visa® Card.

Monitor Your Credit

One of the most overlooked areas of building credit, is monitoring your credit

This is truly your first line of defense when trying to build or rebuild your credit.

You should try to find a service that allows you to monitor all 3 of your reports.

Helpful Tip

If your application goes to "Pending" status it doesn't mean Declined. Usually, more information may be needed.

Make On Time Payments

Making on time payments sounds like a super simple thing to do; however, we all live in the real world where things almost never go as planned.

Be sure, no matter what, to make your payments on time because it is super important and is one of the largest factors in your credit score.

No matter what, avoid late payments.

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Keep Credit Utilization Low

Another factor to consider is credit utilization, you really want to keep this under 3% of total credit if you can but try to never get it over 15%.

For example, if your Credit One /Platinum credit card has a $300 limit and you spend $60.

Spending $60 on a $300 card limit means you are utilizing is around 20% of your credit on that card and it is above the recommend credit utilization percentage, so be mindful of how much you spend.

On The Bank Of Missouri's Secure Website

How Do I Close My Total Visa® Card?

You can close your account at any time by contacting their Customer Service Department or with the information below:

Email them at [email protected]

NOTE: They advise you not to send them or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system.

Postal Address:
Total VISA
P.O. Box 85710
Sioux Falls, SD 57118-5710

For questions about your application or to pay your program fee, please call (844) 206-4371.

To check your account balance, make a payment, or for other general customer service inquiries, please call (844) 548-9721.

Is There A Fee For Closing My Account?

Outside of the fees associated with your remaining balance, there is no fee for closing your account.

Taking Action On Your Credit

Hopefully, you found this Total Visa® Review helpful because rebuilding your credit can be difficult and confusing.

There is no better time than now to get things started and the sooner you get your account setup, the faster it will hit your reports and start helping your credit.

Having the card in your wallet is going to feel great, but growing your credit is going to feel even better. 

Remember, if this option is too expensive for you, check out the other options above that can give you the same results.

Start rebuilding your credit today with a Total Visa® Card Today.

On The Bank Of Missouri's Secure Website

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Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

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