Total Visa Rewards Explained: Earn 1% on Payments & Up to 10% Back

While subprime cards rarely feature robust rewards structures, the Total Visa includes modest cash-back incentives to help offset some of its heavy operating costs.

Breaking Down the Rewards

• 1% Cash Back on Payments: Earn a 1% statement credit on payments made toward your card's balance.
• Up to 10% Cash Back: Earn enhanced cash back through qualifying purchases at select participating merchants via their online shopping portal.

Reality Check

With first-year fees easily totaling $150 to $170+, baseline fees dwarf any rewards earned. Treat rewards as a minor bonus rather than a decision-making factor.

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