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

Picture of Total Visa® Card
46 Reviews
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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: 542 Credit Limit: 650 Age: 35-44
Posted 11/01 2018
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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: 540 Credit Limit: 300 Age: 25-34
Posted 10/26 2016
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There are fees with this card but I went in with my eyes wide open. I am willing to pay to rebuild.
Credit Score: 530 Credit Limit: 300 Age: 35-44
Posted 07/26 2016
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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
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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: 504 Credit Limit: 300 Age: 18-24
Posted 02/13 2016
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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
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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: 548 Credit Limit: 300 Age: 35-44
Posted 09/22 2015
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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: 475 Credit Limit: 300 Age: 25-34
Posted 09/01 2015
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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: 505 Credit Limit: 300 Age: 25-34
Posted 06/11 2015
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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: 498 Credit Limit: 300 Age: 35-44
Posted 05/03 2015
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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: 553 Credit Limit: 300 Age: 35-44
Posted 04/02 2015
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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
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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.
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