Finding an unsecured card might be hard, especially when you have a poor credit, but the Total Visa® Unsecured Credit Card is available to a wide range of credit types including those with low scores.
If you’re looking to improve your credit, this card is a good chance for redemption since it offers benefits to those with low scores. However the only downside of this card is that cardholders will have to pay a few fees in order to access those benefits.
View more credit card options:
- Chase credit cards
- American Express credit cards
- Wells Fargo credit cards
- Citi credit cards
- Capital One credit cards
Continue reading below to learn more about the fees and this card’s features.
See our best bank bonuses updated daily to earn up to $1,000 in free money. Find popular checking offers such as Chase Bank, HSBC Bank, TD Bank, Huntington Bank, BBVA, Discover Bank, and CIT Bank. See our best rates for Savings and CD too.
|Chase Business Checking $300 Bonus||Chase Private Client $2,000 Bonus|
|Chase Total Checking® $200 Bonus||Chase SavingsSM $150 Bonus|
|HSBC Premier Checking $450 Bonus||HSBC Premier Checking Up To $600|
|HSBC Advance Checking $200 Bonus||HSBC Advance Checking Up To $240|
|TD Bank Premier Checking $300 Bonus||TD Bank Convenience Checking $150 Bonus|
|Huntington 25 Checking $500 Bonus||Huntington 5 Checking $200 Bonus|
|Huntington Asterisk-Free Checking $150 Bonus||Huntington Unlimited Plus Business Checking $750 Bonus|
|Huntington Unlimited Business Checking $400 Bonus||Huntington Business Checking 100 $200 Bonus|
|Axos Basic Business Checking $100 Bonus||Aspiration Spend & Save Account $100 Bonus|
Table of Contents
Total Visa® Unsecured Credit Card Summary
|Bonus Available||No sign-up bonus available for this card|
|Ongoing Rewards/Benefits||No rewards and limited perks|
|Program Fee||See Terms|
|Foreign Transaction Fees||Not available|
|Annual Fee||See Terms|
- No security deposit required
- Reports to all three credit bureaus
- More expensive than a secured card in the long run
- Limited on how you can use it
- Low credit limit
No Rewards & Limited Perks
This card does not offer or include any rewards program, so as a cardholder you won’t get to enjoy other perks such as account alerts or additional insurance. The Total Visa also doesn’t allow foreign transactions, so you won’t be able to use the card at all while traveling abroad.
So if you’re interested on accessing added benefits, you should consider looking into other cards.
Credit Card Fees
The Total Visa® Unsecured Credit Card has a series of fees, including an account program fee for opening the account and a first-year annual fee. After your first year, your yearly fee drops. However, you’ll still have a monthly service fee.
Total Visa® Unsecured Credit Card Features
- Manageable monthly payments
- Reports monthly to all three major credit bureaus: As a cardholder, when you continue to pay your balance of each month, on-time payments get sent to all three credit reporting agencies instead of one or two. The result? All three bureaus will take note of your credit habits as you practice financial discipline.
- Accepted by merchants throughout the USA and online
- Checking account required: You need to have a checking account in order to get approved for the Total Visa Credit Card since it will be used to facilitate monthly payments.
If you’ve had trouble getting a credit card application accepted and need to open a card as soon as possible, consider looking into the Total Visa® Unsecured Credit Card.
If you decide to open one, make sure to make your payments on time to avoid high interest charges and you should avoid adding authorized users or taking out cash advances to limit the fees.
For more credit cards, see our latest list of other best credit card bonuses!
(Visit the link above to sign up for the Total Visa® Unsecured Credit Card Review)
What’s the Competition?
The Chase Freedom Unlimited® Card offers a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.
In addition, you can earn:
• 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year.
• 5% on travel purchased through Chase,
• 3% on dining at restaurants and drugstores, and
• Unlimited 1.5% cash back on all other purchases.
There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open.
This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM.
The Citi Rewards+SM Card offers 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com.
You'll earn 2X ThankYou® Points at supermarkets & gas stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on all other purchases.
In addition, the Citi Rewards+? Card is the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
This card comes with no annual fee.
The Chase Sapphire Preferred Card offers 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®!
You'll earn 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases. And when you redeem your points for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards, you'll get 25% more value!
This card carries a $95 annual fee.
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.