Total Visa® Card
Total Visa · VISA · traditional
The Total Visa® Card is a credit card from Total Visa on the VISA network. It has an annual fee of $0. It earns up to 10% on everything else.
Key facts
- Annual fee
- $0
- Purchase APR
- 35.99%*
- Credit needed
- Fair, Poor
- Network
- VISA
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Everything else | up to 10% | Up To 10% Cash Back on Purchases + 1% on Payments^^ |
Benefits and perks
- Double the Rewards: Earn Up To 10% Cash Back on Purchases at select merchants & 1% Back on Payments!^^
- An initial credit limit Up To $500! (See terms*)
- 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
- ^^1% Cash Back is earned on payments to your Credit Card. Up To 10% Cash Back is earned on qualifying purchases at select participating merchants. Offer percentages vary by merchant and are subject to change. See Total Card Visa Rewards Programs Terms & Conditions for details
Rates and fees
Annual membership fee: $0. Purchase APR: 35.99%*, based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 30 Aug 2026. See the issuer's terms for current rates.
Questions about the Total Visa® Card
What is the annual fee on the Total Visa® Card?
The Total Visa® Card has an annual fee of $0.
What rewards does the Total Visa® Card earn?
The Total Visa® Card earns up to 10% on everything else.
What credit score do you need for the Total Visa® Card?
The Total Visa® Card is generally listed for applicants with fair or poor credit. Approval also depends on income and the issuer's own criteria.
Is the Total Visa® Card worth it?
The Total Visa® Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
Not sure this is the right card for you?
Upload a credit card statement and Woodo works out what you actually spend by category, then ranks every card in the catalog against your own numbers. No bank login needed.
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