The Total Visa

Start your journey towards stronger credit with a card that simplifies the process and supports your financial goals.

CREDIT CARD

Total Visa

FREE CREDIT MONITORING CASH BACK REWARDS

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Whether you’re new to credit or working to improve your score, this card offers a straightforward approach to building and boosting your credit.

Designed for ease of approval and responsible credit management, it serves as a stepping stone to greater financial stability. With a user-friendly application process and a reasonable credit limit, this card helps you steadily progress towards better credit health and enhanced purchasing power. Ideal for beginners and those looking to rebuild, it’s your gateway to a more secure financial future.

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Pros

• Credit Enhancement: Ideal for those aiming to build or restore their credit profile.
• Broad Usage: Accepted at any location where Visa is welcomed, providing extensive flexibility.
• Streamlined Application: Simple and straightforward application process with minimal prerequisites.
• Inclusive Access: Tailored for individuals with less-than-ideal credit histories, offering an opportunity to improve financial health.
• Digital Management: Easily manage your account online, monitor spending, and handle payments with convenience.
• Credit Improvement: If you’re working to build or rebuild your credit, this card offers a structured way to enhance your credit profile with responsible use.
• Versatile Acceptance: Enjoy the freedom to use this card anywhere Visa is accepted, giving you flexibility in managing your expenses.
• Easy Onboarding: The application process is designed to be straightforward and quick, making it accessible even for those with less-than-perfect credit.
• Accessible Financial Tools: Benefit from online account management, allowing you to keep track of spending and make payments effortlessly.

Cons

• High Costs: Includes substantial fees such as a program fee, annual fee, and monthly service charges.
• Limited Credit Line: Provides a relatively modest initial credit limit, which may not be adequate for larger purchases.

Why Do We Like This Card?

This card offers a robust solution for individuals aiming to establish or improve their credit history. Designed with accessibility in mind, it allows you to use your card wherever Visa is accepted, providing you with versatile spending power for everyday purchases and essential expenses. 

Managing your account is straightforward thanks to user-friendly online tools that help you keep track of your spending and payments effortlessly. The card supports your financial progress by promoting responsible use and steady improvement of your credit profile. Moreover, it ensures a hassle-free experience with no annual fees, allowing you to focus on your credit-building journey without additional costs.