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Apply for Total VISA® Credit Card Online – Your Instructions

    Apply for Total VISA® Credit Card Online – Your Instructions
  • Intro
  • Minimum Payment
  • Balance Transfer

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 29.99%

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 [email protected]. 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 29.99 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 an annual fee?

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 $38.

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 29.99 percent, and there is a cash advance fee of 5 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.

APR for Purchases
User Rating: 5 (4 votes)

For Example:

Let’s assume the balance on your credit card is $5000, your card’s APR is 23%, and your minimum monthly payment in percentage is 100. Your first payment should be $100. Note that this number is expected to change over time.

To pay off your credit card balance in full, it will take you 2442 months. You’ll pay the overall interest of $99510.62. Your total payment will be $104510.62.

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By using this calculator you agree to terms and conditions. These calculators are designed to be informational and educational tools only, and when used alone, do not constitute investment or financial advice. We strongly recommend that you seek the advice of a financial services professional before making any type of investment or deciding on your financial matters. This model is provided as a rough approximation of future financial performance. The results presented by this calculator are hypothetical and may not reflect the actual growth of your own investments. We can't take into account potential lender fees, payoff schedule can be longer than in the estimation. Mycreditcards and its affiliates are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by these tools. Mycreditcards is not responsible for any human or mechanical errors or omissions.

Watch How Do Balance Transfers Credit Cards Work

Before apply for new credit card estimate your potential balance transfer savings

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Total VISA® Credit Card 1st Year Annual fee $ $75 Annual Percentage Rate (APR) Currently, a variable % - % APR on purchases. (These APRs do not apply to cash advances.)


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