Apply for Total VISA® Credit Card Online – Your Instructions



If you have a limited credit history or a fair, poor credit score, you may have some challenges when it comes to obtaining a credit card. If you’re in one of these situations, you may want to consider a Total VISA® Credit card. You can obtain this card with just about any credit score, and you can use it to rebuild your credit. The Total VISA® credit card is issued by The Bank of Missouri.

Total VISA® Credit Card Rates & Fees

$75 for the first year. After that, $48 annually None 34.99%

How to Apply for Total VISA® Online

You can quickly apply for Total VISA® online.

  1. First, visit their website at
  2. Their application is on the home page. Scroll down and look for the heading “Start Your Application Below.”

  3. Enter your first and last name. Provide and re-enter your email address. Enter your street address, your home phone number, and your mobile phone number.
  4. Select whether you have an active checking account and choose a card design. Click the red button saying “Continue Your Application” and follow the prompts to finish your Total credit card application.

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Total VISA® Customer Service

You can reach customer service by calling 1-844-548-97-21. You can also write them at Total Visa, P.O. Box 85710, Sioux Falls, SD, 57118-5710 or email them at If you email, do not include your account number.

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Total VISA® Credit Card FAQs

What is the APR for a Total VISA® credit card?
The APR for a Total VISA® credit card is 34.99 percent.

Is there an annual fee?
There is an annual fee of $75 for the first year and $48 each year after that.

Is there other annual fees?

You do need to pay a processing fee $89.00 (one-time fee) if you’re approved.

Is there a late fee?
If your payment is received after the due date, Total VISA® may charge you a late fee of up to $41.

Can I transfer a balance?
You can’t transfer a balance onto the Total VISA® credit card.

What will my initial credit line be?

Milestone bases your initial credit line on your income and credit history. The minimum initial credit limit is $300.

Are there any other fees?
Total VISA® charges a monthly maintenance fee of $6.25 per month after the first year. There is also an annual fee of $29 if you add an additional cardholder.

Can you get cash advances?

You can get a cash advance with the Total VISA® Credit Card. The APR for cash advances is 34.99 percent, and there is a cash advance fee of 3 percent or $10, whichever is greater.

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Total Visa Credit Card Reviews

Reviews of the Total Visa credit card are mixed. Overall, users seem happy with the card itself. The fees and APR are high, but it’s easy to obtain and they offer regular credit line increases if you pay on time. There are some complaints about the customer service, though. Some have had long waits or haven’t had their payments applied on time. If you use their online payment system, pay in advance of your due date, and understand the terms of your card, the Total Visa seems like a good choice for rebuilding your credit.

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User Rating: 5 (5 votes)
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3 years ago

This card helped me raise my score 173 points

3 years ago
Reply to  Julius

How long have you had it?

3 years ago

I have this card as well. I have approved for it about a year and a half ago when my credit score was in the high 400s (which prevented me from even getting a secured card). It helped my score to a point, but now it is pretty much useless for me.

3 years ago

I spent the last six months working on my personal credit and was approved for my first credit card 2 weeks ago! I saved soooo much money by NOT buying all those supplies from then 4-5 Net 30 companies AND my personal credit score is up 23 points!!

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