Total Visa® Card Credit Card Review

Total Visa® Card — all information about the credit card.

By Hanna Volkava
Updated January 09, 2024
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Total Visa® Card The Bank of Missouri
Apply now
On the Total Visa® Card secure website
Our Rating:
3.32 out of 5
Recommended credit score
Rebuilding Credit to Fair (0-669)
  • Rewards Rate:
    • 1% Cash Back on all purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $75.00 for the 1st year, $48.00 after
  • Purchase Intro APR:
  • Regular APR:
    35.99% *
  • Balance Transfer APR:
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We recommend more cards

Total Visa® Card Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
All purchases
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All benefits

  • Cash back
    • 1% On all purchases.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 35.99% *
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • None
  • APR for Cash Advances
    • 35.99% *
  • How to Avoid Paying Interest
    • Your due date will be a minimum of 21 days after the close of each billing cycle. You will not be charged interest on new purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances on the transaction post date.


  • Annual Fee
    • $75.00 for the 1st year, $48.00 after
  • Fees for Cash Advances
    • None for first year (introductory). After that, either $10.00 or 3% of the amount of each cash advance, whichever is greater
  • Return Payment
    • Up to $41
  • Late Payment
    • Up to $41
View all Rates & Fees

Pros & Cons

  • Low Requirements
  • Annual Fee
  • High Regular APR
  • No Intro APR period
  • Extra Fees


  • Payment Flexibility
  • Fraud Protection
  • Free Credit Score
  • Purchase Protection
  • Poor Credit
  • Fair Credit

About the issuer

The Bank of Missouri has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's website
Call to Customer Service

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3.8 out of 5
Recommended credit score
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  • $49
    Annual Fee
  • 15.24%
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  • 1%
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  • None
    Purchase Intro APR
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First Progress Platinum Select Mastercard® Secured Synovus Bank
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Recommended credit score
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  • $39
    Annual Fee
  • 19.24%
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  • 1%
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  • None
    Purchase Intro APR
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FIT™ Platinum Mastercard® The Bank of Missouri
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3.9 out of 5
Recommended credit score
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  • $99
    Annual Fee
  • 35.90%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
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Total Visa® Credit Card Review

Total Visa® Credit Card is an option for people looking to rebuild their credit. Those who want to begin building their credit score but don’t know where to start may also consider this credit card, as Total Visa® does not require good credit for approval.

Total Visa® is issued by The Bank of Missouri. This unsecured credit card comes with an initial credit limit of $300. The limit has the potential to increase after at least 12 billing cycles (about 12 months).

The card is accepted everywhere Visa is accepted and is a good option for cardholders interested in building up or repairing their credit. Besides, Total Visa® provides access to $0 fraud liability coverage and free access to monthly credit scores powered by TransUnion®.

The biggest downside of the card is complex and hefty fees which will be explained further.

Total Visa®: Pros and Cons

Pros: Cons:
Credit increase potential. Cardholders may increase credit limit after 12 billing cycles (1 year) of credit card use. High and complex fees. The Total Visa® card comes with various fees, including an annual fee of $75.00 for the 1st year, $48.00 after (for the first year and $75 afterward) and a one-time program fee of $95. You will also pay a $8.25 maintenance fee every month from the second year going forward.
Low eligibility requirements. The card is available to all applicants categories, including those with a bad credit. High APR rate. The Total Visa® comes with a 35.99% APR rate.
No security deposit. The Total Visa® doesn’t require any security deposit. Low credit limit. Total Visa® comes with a $300 credit limit, which is a bit low but at the same time typical for this type of card.
Credit score access. Free access to credit score every month. No Foreign Transactions allowed. You may not use Total Visa® outside the United States, or make a charge in a foreign currency.
Fast & easy application. Total Visa® applicants receive an immediate online decision in a few seconds.

Rewards System

The Total Visa® Card earns 1% Cash Back. Cardholders don't get perks such as travel and emergency insurance or reimbursement for missing luggage.

Total Visa® credit card fees explained

One of the most significant drawbacks of the Total Visa® credit card is its fees system. Let's dig into what Total Visa® cardholders have to pay.

  1. Program Fee. It is a one-time fee of $95. Program fee must be paid before the account opening, which means applicants will not be able to use their cards until they pay $95. The application gets withdrawn if the payment is not made within 60 days.
  2. Annual Fee. The Total Visa® cardholders are charged an annual fee. In the first year, the fee is $75.00 for the 1st year, $48.00 after; it drops to $75 afterward.
  3. Monthly Servicing Fee. Total Visa® cardholders must pay $8.25 each month ($99 per year). This fee is not charged in the first year.
  4. Cash Advance Fee. There is no cash advance fee in the first year, but afterward, cardholders are to pay either $10.00 or 3% of the amount of each cash advance, whichever is greater.
  5. Penalty Fees. Common credit card fees such as returned payment and late payment can be charged, $41 each.
  6. Additional Card Fee. Each additional card linked to the account will impose a charge of $29 a year.
  7. Credit Limit Increase Fee. Any credit limit increase is charged with a 20% fee of the increased amount. For example, if a credit limit is increased by $100, the cardholder will be charged $20.

Who can benefit from getting the Total Visa® credit card?

Total Visa® is a credit card for personal use, especially for people who don’t travel outside the U.S. and have poor or no credit. It’s also an okay option for people who would want to rebuild their credit as Total Visa® has few requirements for application and a typical credit limit.

Are there any other benefits?

  • Online account management

Total Visa® allows cardholders to access their online management system where they can:

  1. Review statements
  2. Make payments
  3. View payment history
  4. View recent transactions
  5. View your balance and other important Total Visa® credit information.
  • $0 Fraud Liability

The $0 fraud liability gives you ownership over your card and all purchases made. It gives you the confidence to go about your business knowing your card activity is fully protected.

  • Mobile App

Total Visa® has a mobile app where cardholders can manage their account anytime from the comfort of their mobile device. It is available on Google Playstore and App Store. The Mobile App allows its users to:

  1. Make payments
  2. View transactions & statements
  3. Check available credit
  4. Check your score with free Credit Monitoring powered by TransUnion.
  • Free Monthly Credit Score Access

Cardholders can access their monthly credit score powered by TransUnion for free.


With the Total Visa® credit card, The Bank of Missouri offers almost everything for people with poor or no credit: easy application, fast decision, low requirements for applicants (hence high approval odds), reporting to three credit bureaus, free credit check, credit limit increase after 12 months, and even cash advances with no fee in the first year. However, the downside of this credit card is its high fees and high APR.

The high price of the card especially stands out from competitors and the market. The 35.99% Total Visa®’s APR is 8.3% higher than the average credit card interest rate for bad credit (26.7%). You can account for the same perks and benefits for a lower price with such cards as The Mission Lane Visa®, Double Your Line® Mastercard® by Merrick Bank.

Also, it’s worth mentioning that you can’t use Total Visa® outside the U.S. or make any transactions in a foreign currency.

To sum up, the Total Visa® credit card is worth applying for if you want to build or rebuild your credit, but first, check other credit cards offering the same perks and benefits at a lower cost.


What is the customer service phone number for Total Visa® Credit Card?

The customer service number for Total Visa® is 1-877-480-69-88.
For questions about your application or to pay your program fee, use 1-877-526-57-99.

How to check my application status for a Total Visa® Credit Card?

To check your application status for Total Visa® you may call 1-877-526-57-99.

Is Total Visa® a good credit card?

Depending on your situation, Total Visa® can help you improve your credit score but the cost will be higher than with some other similar cards.

How long does it take to receive a Total Visa® Credit Card?

You get the bank’s decision online immediately after the application is submitted. Then you need to pay the $95 program fee. After that, the Bank of Missouri will send your card via mail. The delivery process takes about 7-10 business days (you can accelerate the process by paying a $35 fee for the express delivery).

How to pay Total Visa®?

You may pay your Total Visa® online on (if you don’t have an account you’ll need to create it first).

Is Total Visa® available in all states?

According to the Terms and Conditions Total Visa® is not available for New York residents.

Total Visa® Card is an option for those, who need Classic features. With an APR of 35.99% and $75.00 for the 1st year, $48.00 after annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Rebuilding Credit to Fair (0-669) credit score. With Total Visa® Card you will get such features as Payment Flexibility, Fraud Protection, Free Credit Score, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Hanna VolkavaHanna Volkava

Financial and product expert
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