The Total Visa is infamous for layering multiple fees across your account lifecycle. Before applying, map out every charge so you aren't caught off guard by diminished credit limits or unexpected monthly costs.

1. One-Time Program Fee

Assessed after approval but prior to official account opening and card activation. Cost: $95 non-refundable.

2. Annual Fee Schedule (Tiered)

  • $200 Limit: $50 annual fee
  • $300 Limit: $75 annual fee
  • $400 Limit: $100 annual fee
  • $500 Limit: $125 annual fee

Note: After the first year, the annual fee drops to a flat $48 annually.

3. Monthly Servicing Fees (Year 2 Onward)

  • $200 Limit: $6.25/month ($75/year)
  • $300 or $400 Limit: $8.25/month ($99/year)
  • $500 Limit: $10.25/month ($123/year)

4. Purchase & Cash Advance APR

Features a fixed 35.99% APR. Carrying any balance will quickly compound your debt.

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