Total VISA® Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of Total Visa® Card
46 Reviews
Consumer Rating:

Apply Here 3.1
Average Score:

Executive Summary - A subprime card that has the usual high fees and rates. Though there are other cards with higher fees (upfront, annual and monthly maintenance), we would still recommend shopping around for other cards that have lower fees and rates (the Credit One would be an alternative), or consider secured cards.

Plains Commerce Bank is a bank out of South Dakota which began as the Bank of Hoven in 1931. The Total Visa Card was issued by Plains Commerce Bank as a card for people with no credit or bad credit, as a means to not only have a credit card but to establish and improve on their credit in the meantime. Unfortunately, regardless of the long bank's long history in South Dakota, the Total Visa Card is not the greatest card to use to assist in that process.

Fees - Because Total Visa is a sub-prime card targeted at those with not so good credit, they can of course get away with an obscene amount of fees because people who are trying to rebuild their credit histories will pay them. Once you get approved for this card, there is an account set-up fee of $56.00. There is also a program fee of $96.00. The annual fee is $48.00 and there is also a monthly participating fee of $8.00 (which works out to $96.00). This totals $296.00 just to have the card for the first year.

For the second year onwards, the total fees per year works out to $48 + $96 = 144. Though not the highest (that award might well go to the imagine card), it is pretty high.

The APR is a fixed rate at 19.92% for both purchases and cash advances, which isn't the highest APR that we've seen with sub-prime cards, but considering all of the other fees that are involved, it's still pretty high. The average daily balance method is used to calculate your monthly interest charges. The grace period is 25 days, which is longer than the standard 20 days that most credit cards give.

Total Visa Card Comparison With Other Sub-Prime Cards - Way back before the 2008 financial crisis, there were lots of other similar card to this one. Today, however, there are only two other similar competitors as the rest of them have been fined by the FTC and closed down or bought over and no longer issued (like Orchard Bank).

Although all of the cards have additional fees for carrying the cards, First Premier's fees include a security deposit of $95.00 which is refundable, an annual fee of $75.00 the first year and then $45.00 annually thereafter and a monthly servicing fee which is billed at $6.50 per month for a total of $78.00 annually. These fees total a little lower than Total Visa Card's fees however, the APR on the First Premier card is 36%.

The other card to compare with is the Credit One Bank Visa with Gas Rewards. The annual fee ranges from $35 to $75 and there is none of that one time processing or application fee. Compared to the other cards, this one is the most reasonable in terms of fees. Furthermore, you can earn reward points for gasoline spending (rewards are rare for subprime cards).

Verdict - The Total Visa® Card will appeal to those have bad credit and want to get an unsecured credit card. There are some upfront fees and annual fees that you have to pay but to be honest, these fees are exorbitant even for a sub-prime card. If you are considering this card, you should also check out other cards. The type of cards that you will be approved for depends on your credit situation. the offering from Credit One Bank.

As a general guide, if you have just emerged from bankruptcy or have charge offs and collections that have not been settled or paid off, then a secured card like First Progress would be your best bet because you are highly unlikely to get approved for an unsecured card.

If on the other hand, you have settled any old charge offs or collections, have a 600ish score and have been paying on time for 6 months to a year and a good track record with your other installment credit like auto loans, you may have a shot at no annual fee unsecured cards like the Barclaycard Rewards MasterCard, the NFL Visa.

The Credit One Bank Visa with Gas Rewards is also a good alternative as it only has an annual fee (no upfront fees or monthly maintenance fees) and a reward program for gas purchases.

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Credit Score: 670 Credit Limit: 300 Age: 55-64
Posted 01/19 2021
Overall Rating:
This card does what it's supposed to do. It's a sub prime, no deposit, hi interest and fees credit building credit card. I was only too glad to accept the offer to open an account with TOTAL VISA a year ago. Since then my credit building journey has progressed to the point that I have other options for better credit. Today I closed my TOTAL VISA account. I'm thankful for the help they provided at a time that I needed help. TOTAL VISA is not a card you keep for life.
Credit Score: 555 Credit Limit: 300 Age: 35-44
Posted 03/11 2019
Overall Rating:
I got the total Visa credit card to build back up my credit I had an accident several years back where I could not work and everything ended up going negative on my credit. Since I have had this card my credit steadily goes up also I pay more than the minimum balance and it has seemed to workout for us so far I'm hitting my 6-month Mark so I will see if I get a credit increase even though the face and so forth are high if you manage your money spending it actually works out great to have a card for emergencies and to build credit. I do see a lot of people say that they don't receive their payment when they tried to pay their bill but if you listen when you call in to pay your bill it says that all credit cards will be declined even if it's a debit card that runs as credit so you have to make sure your car is running as debit to pay your bill. So far it has worked for me and all my payments have been on time for my situation I give them four stars right now if I get a credit increase at my 6-month Mark then I'll give him five stars cuz I have not truly had a problem and when I really need a card to have emergency money plus to build my credit they were the only ones that accepted me. Everyone has their own experience with total Visa so far mine has been excellent
Credit Score: 417 Credit Limit: 300 Age: 45-54
Posted 02/15 2019
Overall Rating:
I got approved for a $300 with this card back in July when my score was in the 400s. I have been doing real good with it making my payments on-time, until the holidays and a family emergency came up. I ended up going over my balance which impacted my score dramatically. I am going to bring my balance back to zero, and start over again with this card. I have had no issues with CS & the card is wonderful. Stay within your spending percentage, make your payments on-time, and you will see your score go up.
Credit Score: 530 Credit Limit: 0 Age: 18-24
Posted 11/09 2018
Overall Rating:
I applied for the TOTAL VISA CREDIT CARD so read on to everyone with "GREAT REASON"to be skeptic,on the query of, "How long does it take to receive my TOTAL VISA UNSECURED CREDIT CARD."

I want u all to know, i called "every five days"since approved Sept.4 this year.

I should've RESEARCH first.

I thought, "10 to fourteen days after i was approved." I was informed, but it can be sooner in a "Few days,as advertised and as said in an email to me."
So we are now looking at over SIXTY days and guess what...

I finally spoke to a very BAD-SPEAKING NON-PROFESSIONAL SPEAKING, no good at talking as a "supervisor, whose name is Raven or Raiven." She sucked. Was not able to give me any "REAL"Information as far as their truth and or policies in place,
and why i am being told all diff stories."
I want you all to know i got my card after get this, just about SIXTY one days or so and i am just warning you, KEEP CHECKING UP ON YOUR CARD. DON'T STOP. and i finally got mine, but damn sure would have NEVER paid up front almost 100 bucks for a card, i have NOT received yet."

Just wait to pay the 89.00 fee. Took sixty or so days to get a credit card from TOTAL.
I will b updating all in 3 months, let u know how this card is. Their site should be clear and not MISLEAD and say "up to thirty days" or an OUTLANDISH 2 months from time of making the payment for a card."Not worth it if you're going to lie to the American public,or will be sued i am sure if u r lying to the public, as it is clear, my card should have BEEN LEFT THE WAREHOUSE, after i was approved, NOT 1 to 2 months later."Those who are blessed in life, do not lie about such SERIOUS things in life." Now i will report here in three months winter time months of 2019, to let u all know how this card is, and or if it not "real" even if it say a real unsecured VISA card."
Give them ZERO-1-STAR for now premised on how long it took, yet i read some got it 1 to 3 days "after shipping date from total visa card warehouse."
ALWAYS RESEARCH FIRST when you're approved for a secured OR in my case this TOTAL UNSECURED VISA.

Credit Score: 542 Credit Limit: 650 Age: 35-44
Posted 11/01 2018
Overall Rating:
I was approved for TOTAL VISA.
I love being able to use it when i want as real credit.
I am finally after yrs., of denial, i am finally re-building credit from 542 to 650 in 5 to six months."
I shall report back in another five months winter 2019 on how high again my score has moved up and again be sure to P.O.T.(pay on time!) I learned this is key and i have no regrets so far with utilizing TOTAL.
There are high fees to start (or reasonably high) for some, at almost $100.00 to have it fully activated($89.00) to be exact everyone, but worth it to this previous (bad/low credit scorer) whose credit is higher now, and i am happier each time i pay off what i use the card for on time, to raise my score etc.


The $75.00 was taken off prior to me receiving mi credit card by TOTAL, it was deducted immediately,
but i couldn't wait to pay it AFTER i reviewed REAL people comments and on facebook pages, who have the card and told me, "If you're living near VA., you're getting it quicker as it is shipped from there. I love that as i am in NC currently and how it really is a real unsecured credit line of a few hundred bucks to start, with an increase for those paying on time, etc., and i am happy, i really am. I had no delay as some are saying where you're not able to utilize your credit card, til' 2 weeks "after" card arrived, that don't sound right, because i paid fee, and got card a few days after, same week, and used it to pay my SPRINT phone bill, part electric bill, food necessities,and i am happy it is working for me.

It was also reported to the three major credit bureau's in 1 to 2 months.

I have had no problems getting through with customer "service" and i have been able to see my credit score get higher, because of this 1 unsecured card, and i have a secured credit card too, and FIRST ACCESS VISA.

I have no complaints, as of yet, and i hope i never will with TOTAL who approve me gave me a chance same day approval, paid fees in 1 day after approval,and since i reside in NORTH CAROLINA part of the year i got my TOTAL VISA CREDIT CARD in just three or so days premised on it was shipped i was told from nearby state, in VA., same as my FIRST ACCESS VISA CARD, i got three to four days only after i was approved."I like TOTAL VISA and i am grateful for it as my score continue to move up, and i love that best about this real credit card. So far so good.

Credit Score: 580 Credit Limit: 300 Age: 35-44
Posted 06/22 2018
Overall Rating:
I only gave this card 1 star because there were no options for 0 stars! I've been paying the monthly fee every month for over a year, and have never been able to use this card for anything. NOTHING! So I called and asked why my card was always being declined, even though I have a $0 balance, and the operator told me they had sent me a new card with a different number, which I never received. So, if you're looking for a really sketchy credit card that you have to pay every month and get nothing in return, then this is the card for you!!!!
Credit Score: 0 Credit Limit: 0 Age: 18-24
Posted 12/01 2017
Overall Rating:
Card works great and customer service is great. Hold time is a little long but they are nice.
Credit Score: 549 Credit Limit: 300 Age: 55-64
Posted 08/23 2017
Overall Rating:
i have never had a credit card of my own in 35 years without difficulty. i received the total card in 2016. glad to have credit of $225 ($300 - $75) got some items i needed and wanted as i had been struggling financially with no credit history. i made first payment august 2016 via phone with debit card. have confirmation # and everything. they never took the payment out of my account. tried to pay online, not successful. called and was placed on hold for who knows how long. so i decided not to continue with use of card. now item is on my credit report as NEVER MADE FIRST PAYMENT. I have them $89.00, They gave me $225.00, now i owe them $225, $75, and a late fee of $37, and interest. Ok. If I wait 10 years it will drop off credit report. THAT IS NOT THE REASON I NEEDED CREDIT. I like not owing anyone - neither borrower or lender be, but I authorized them to receive payment from my account. Why is my credit report reflecting NO PAYMENT when in fact I did provide funds for payment. Why is my credit report listing bad account when I acted in good faith. AND I AM STILL RECEIVING OFFERS OF CREDIT - IF THEY STILL NEED THREE HUNDRED A MONTH, WHY DIDN'T THEY ACCEPT MY DAMNED PAYMENT AND LET ME BUILD CREDIT?
Credit Score: 0 Credit Limit: 0 Age: 45-54
Posted 07/30 2017
Overall Rating:
would like to apply 4 this card my srore is528
Credit Score: 0 Credit Limit: 0 Age: 55-64
Posted 06/02 2017
Overall Rating:
Credit Score: 600 Credit Limit: 300 Age: 35-44
Posted 05/02 2017
Overall Rating:
Rebuild credit saver.
Credit Score: 0 Credit Limit: 0 Age: 45-54
Posted 03/15 2017
Overall Rating:
when can i request for acredit increase?
Credit Score: 0 Credit Limit: 300 Age: 45-54
Posted 03/02 2017
Overall Rating:
Just Got My Total Visa Activated! As I Have Reviewed Other Statement Here! I Sudjest That If You Want To Rebuild Your Credit, And Credit Score, Do What I Do! I Am A Member Of NetFlix, And, Where On I Watch Different Shows, The Cost Of Being A Member Is Low!

So I Use My Total Visa, To Pay For These, And After A Month Or Two, And To See If No Other Charges Have Been Applyied!, I Copy My Information From My Credit Card Account Number And Other Info, Then I Shred It! Leaveing It Open, Then I Pay My Uses, Back To My Total Visa, Which Runs Around! $20.00.

And I Pay Before The Due Date! And So I Am Rebuilding My Credit And Credit Score, And I Have No Fear Of The HIGH INTEREST! Please NOTE: If You Get This Card! YOU! Are Your Worst Enemy!

If You Can Control Your Spending The Way That I Am Doing! Then You Should Not Have A Problem With This Card. Also! Even If They Give You A Credit Line Increase! Once You Shread It! And Keep It Open, You Should Be Okay!
Credit Score: 540 Credit Limit: 300 Age: 25-34
Posted 02/20 2017
Overall Rating:
I was just approved online and sent a confirmation email. How long did it take to receive your card after you were approved? I play to pay the $89 fee with my debit card once I receive the card in the mail. I am seeing some people say that once they paid the initial fee they could not use their card for 2 weeks. Once you activated the card how long until you were able to use it?
Credit Score: 565 Credit Limit: 300 Age: 25-34
Posted 11/09 2016
Overall Rating:
One of the most important thing for me in a credit card is their payment system. In this regard, I had no problems with Total. I pay with either my debit card or checking account and it clears the next day. I've had other cards that hold your payment.
Credit Score: 540 Credit Limit: 300 Age: 25-34
Posted 10/26 2016
Overall Rating:
There are fees with this card but I went in with my eyes wide open. I am willing to pay to rebuild.
Credit Score: 495 Credit Limit: 300 Age: 25-34
Posted 09/14 2016
Overall Rating:
They held my payment for 14 days when I paid from my checking account. When I asked why, CSR had no logical explanation other than send us a copy that it has cleared your bank and we will clear it in 2-3 days.
Credit Score: 565 Credit Limit: 300 Age: 25-34
Posted 08/12 2016
Overall Rating:
I got this card when my score was 565. I also had a Credit One just prior to this. Within 14 months, my score had improved to 640.
Credit Score: 530 Credit Limit: 300 Age: 35-44
Posted 07/26 2016
Overall Rating:
This card is definitely not the best out there. But when your scores are 530, what choice do you have? At least they allow you to pay with your debit card and it clears the next day. It seems like it gets tricky when you pay with checks because they may hold it for 14 days. The trick is to just spend $30 to $40 a month and pay it off in full. After a year to 18 months, cancel it and get a no annual fee rebuilder card. Remember, this card is solely for rebuilding.
Credit Score: 603 Credit Limit: 300 Age: 45-54
Posted 07/19 2016
Overall Rating:
I have had this card for about a month and everything seems fine. Payment went through with no problem. I just noticed that it has not reported to the bureaus yet? Can anyone tell me how long it takes?
Credit Score: 580 Credit Limit: 300 Age: 25-34
Posted 06/08 2016
Overall Rating:
A little warning. Every payment has to be 5 days apart. This applies to those of you who want to pay multiple times during a billing cycle.
Credit Score: 538 Credit Limit: 300 Age: 35-44
Posted 04/20 2016
Overall Rating:
This card works. There are definitely some quirky things like

1. can't use overseas
2. need to pay inside at the gas station
3. payments hold if you use ACH/checks.

But otherwise, my score improved from 540 to 650 with this card within 13 months.
Credit Score: 610 Credit Limit: 300 Age: 35-44
Posted 03/30 2016
Overall Rating:
One thing to be aware of this card is that you cannot use it when you travel out of the USA. You also cannot use it with a foreign merchant online.
Credit Score: 480 Credit Limit: 300 Age: 25-34
Posted 03/29 2016
Overall Rating:
After I paid the processing fee, I went to activate the card and was told I cannot do it until the funds are "verified"! what the heck is this?
Credit Score: 504 Credit Limit: 300 Age: 18-24
Posted 02/13 2016
Overall Rating:
Got approved for Total. Not too sure if I will regret not going the secured route. But I got my foot in with an unsecured card. Score was EQ504 and the limit was $300.
Credit Score: 490 Credit Limit: 300 Age: 25-34
Posted 01/04 2016
Overall Rating:
When I called to activate the card, the automated answering system said that if you fill up at a gas station, you should pay inside and not at the pump. Otherwise, it will be declined for security reasons. They also said that if you pay by check, they will hold for 14 days. I am glad I was told that and I have since been using my debit card.
Credit Score: 603 Credit Limit: 300 Age: 25-34
Posted 11/16 2015
Overall Rating:
I got this card simply for rebuilding. I understand the fees and have read the terms and conditions. I plan to simply cancel this card after a year and get a lower fee card.
Credit Score: 530 Credit Limit: 300 Age: 25-34
Posted 11/08 2015
Overall Rating:
Score was 530 and a couple of baddies. I was denied by Credit One. Decided to give this card a shot even though the fees were higher. Got approved and so far so good. There are a few things that you need to be aware of (these have already been mentioned here) - like the 14 day hold if you pay by check and to pay inside a gas station. I use my debit card to pay and it clears the next day.
Credit Score: 568 Credit Limit: 300 Age: 25-34
Posted 10/25 2015
Overall Rating:
Where is the website for you to check your transactions? In fact, I don't think there is one. Who in today's age remembers what they spend on their card? I need to see the statement online occasionally just to verify.
Credit Score: 578 Credit Limit: 300 Age: 18-24
Posted 10/14 2015
Overall Rating:
The phone system is in need of a fix. When you call, you are automatically presented 2 options which does not include speaking to a representative. In fact, hunting down a number to call a rep is almost impossible.
Credit Score: 548 Credit Limit: 300 Age: 35-44
Posted 09/22 2015
Overall Rating:
I had opened a Capital One and Opensky secured card. After about 8 months, I got this card with an initial credit limit of $300. Paid off the $89 fee and just used the card sparingly a month (not more than $40). I pay off a week early and I use a debit card to pay so it clears immediately. It seems that Total always reports the highest limit to the bureaus but I do not care since I limit my charge to $40 max a month.
Credit Score: 505 Credit Limit: 300 Age: 35-44
Posted 09/21 2015
Overall Rating:
After being rejected by Cap One secured, I decided to go the unsecured route and apply for this card. I got approved with a $300 limit. My score then was 505. I paid up the $89 processing fee and after the first bill, the $75 annual fee was paid off. I charged no more than $50 a month on the card. I pay it off in full and early with my debit card (ACH checking accounts will result in a 14 day hold). After 3 months, my scores went up to 550. After 10 months, my score had increased to 615. I canceled the card before the one year anniversary was up and got myself a couple of no annual fee store cards. But I do have to thank total. They gave me a chance when no one else would and despite the high fees and some inconveniences, it did it's job.
Credit Score: 529 Credit Limit: 300 Age: 25-34
Posted 09/03 2015
Overall Rating:
The customer rep told me that I could use the card immediately after I paid the processing fee. Turns out I have to wait for 2 weeks!
Credit Score: 475 Credit Limit: 300 Age: 25-34
Posted 09/01 2015
Overall Rating:
When I got this card, my score was like 475. I did not expect to get approved but I did. Paid off the $89 processing fee and then also paid off my $75 annual fee. Limit was $300. After a year of using it responsibly, my scores are now at about 610. I will be going on a little app spree to try to get a no annual fee card. Once I get a couple under my belt, I will cancel this card as it has served it's purpose.
Credit Score: 520 Credit Limit: 300 Age: 35-44
Posted 08/17 2015
Overall Rating:
I decided to get this card and not secured cards because I did not want to leave a deposit. I got approved for $300. Paid the $89 and $75 fees. After 6 months, my credit score has improved about 75 points. There are still a couple of baddies in my report that will take a little time to drop off. But I am really encouraged by my process since I got the card.
Credit Score: 530 Credit Limit: 300 Age: 25-34
Posted 06/12 2015
Overall Rating:
My card was paid up when I decided to cancel. Then I found out that my credit report had a delinquent account from Total! Disputing it right now. These guys are total scums.
Credit Score: 505 Credit Limit: 300 Age: 25-34
Posted 06/11 2015
Overall Rating:
I have this card and First Access. I believe both are from mid trust bank. I got them around the same time when my scores were like 505. Since using them for about 6 months, my scores are now like 640. That is a over 100 points increase and I am not kidding. I am not too sure if I can attribute this solely to this card since I also have the First Access. Like many say here, you just have to use it carefully. You want to either pay by debit or credit card and there will be no hold on your payments. Pay by ACH and according to the terms and conditions, they may hold it for UP to 14 days.
Credit Score: 561 Credit Limit: 300 Age: 25-34
Posted 05/12 2015
Overall Rating:
Found out the hard way that this card cannot be used abroad. I went to Canada and found out the hard way.
Credit Score: 498 Credit Limit: 300 Age: 35-44
Posted 05/03 2015
Overall Rating:
Total is one of the 2 high fee cards that I have. They served their purpose but they will charge you for everything. I got a $300 credit line (seems like most folks are given that amount). You have to pay the $89 fee and the $75 annual fee. (fees fees fees). The APR is high as well. But my scores did go up using it. I always paid in full and on time. If you need an unsecured credit card, make sure you have only one with high fees. Like for example, if you have this card, do not get a First Premier. And it is best to cancel before year 2 otherwise you will be stuck with the monthly $6.25 fee (together with your annual fee).
Credit Score: 515 Credit Limit: 300 Age: 25-34
Posted 04/25 2015
Overall Rating:
EQ 515
EX 525
TU 501
Credit Score: 586 Credit Limit: 300 Age: 35-44
Posted 04/21 2015
Overall Rating:
Just got approved for this card. Score was 586. Not sure how this will pan out.
Credit Score: 553 Credit Limit: 300 Age: 35-44
Posted 04/02 2015
Overall Rating:
Here is what I did to get my scores up over 100 points with this card. My limit was $300. I charged $45 a month to the card. I pay $43 and leave a couple of bucks as balance. Always pay on time. I started off with a score of about 553 on EQ. After 7 months, my score jumped to 660. This card works. Yes, there are fees and you should read and re-read the terms and conditions. But it does work as a rebuilder. They do report about once a month.
Credit Score: 549 Credit Limit: 300 Age: 35-44
Posted 03/07 2015
Overall Rating:
I was pre-approved for this card but they requested that I send or fax copies of SS card, drivers license or a state id, bank statement or latest utility bill. Did that and was approved in a couple of days.
Credit Score: 576 Credit Limit: 300 Age: 25-34
Posted 02/22 2015
Overall Rating:
My experience was not good right from the start. I sent a check in for the processing fee. After it was deducted from my bank account, I called to activate the card and was told that the check needs to be verified. If the checked has cleared my bank account what is there a need to verify? Anyway, customer service was not particularly helpful. Wait times were long and it was not a very pleasant experience.
Credit Score: 540 Credit Limit: 300 Age: 35-44
Posted 02/05 2015
Overall Rating:
First you have to pay $89. Then the $75 annual fee gets billed so your credit becomes $225. I would pay off the $75 at once so that your limit is back up to $300. My experience was that after about 6 months, my score went from 540 to 625. So the fees are worth it.
Credit Score: 494 Credit Limit: 300 Age: 45-54
Posted 01/20 2015
Overall Rating:
Have been with Total for a few years. As long as you pay on time, there should be no problem. They were the ones who gave me a chance when I kept getting denied by other banks.
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