When your credit score is in the fair-to-poor range, traditional credit cards are typically out of reach. For consumers who cannot or do not want to tie up funds in a refundable security deposit, unsecured options like the Total Visa® Credit Card (issued by The Bank of Missouri) market themselves as a lifeline to rebuild credit.
However, convenience and accessibility come at a steep financial price. In this comprehensive review, we break down everything you need to know about the Total Visa Card—including its notorious fee structure, credit bureau reporting, rewards program, and whether it deserves a spot in your wallet.
Key Card Details at a Glance
- Credit Limit: $200 – $500 initial line
- Regular APR: 35.99% fixed on purchases and cash advances
- Security Deposit: None (unsecured card)
- Network: Visa
Issuer: The Bank of Missouri • Network: VisaSynced Daily Data Verified: Aug 14, 2026 | |
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Purchase APR Rate: 35.99%* - Rewards Rate: Up To 10% Cash Back on Purchases + 1% on Payments^^ - Annual Fee: See Terms* - Program Fee: $95.00* - Credit Needed: Fair/Bad Credit - Credit Limit: $200-500 | |
Pros and Cons
Pros: No security deposit required, reports monthly to all 3 major credit bureaus, and provides accessible approval for damaged credit histories.
Cons: Aggressive fee stack ($95 program fee + annual/monthly charges), extremely high 35.99% fixed APR, and low initial purchasing power due to upfront fees.
Total Visa Navigation:
- Explore the Fees and Costs Breakdown.
- Learn about Credit-Building & Bureau Reporting.
- Check the Rewards Program Structure.
- Compare options on the Alternatives Page.
- Review the Application Requirements & Process.