TOTAL Visa® Credit Card — A Straightforward Way to Start Your Credit

Curious if you qualify? Check your eligibility and take the next step toward a stronger credit profile today.

If you’re new to credit or rebuilding after setbacks, the TOTAL Visa® Credit Card focuses on the essentials: access to a major card network, predictable terms, and monthly reporting that can help you establish a positive payment record over time. Instead of chasing complex perks, you get a clear, practical tool for everyday use.

The card’s value comes from consistency. With disciplined, on-time payments and controlled balances, you can demonstrate reliability month after month—while managing your account digitally and keeping your budget organized.

Benefits

• Unsecured access (no deposit): Open an account without locking cash in a security deposit.
• Visa® acceptance: Shop at millions of merchants—online, in-store, and in apps—where Visa is taken.
• Monthly credit bureau reporting: Responsible use can help build payment history and credit profile over time.
• Online account management: 24/7 access for statements, alerts, and payments keeps you in control.
• Designed for credit building: A straightforward feature set that prioritizes predictable payments over complicated rewards.

Product Quality & How It Helps

TOTAL Visa® emphasizes clarity: easy online payments, recurring alerts, and standard Visa checkout options. That transparency makes it simpler to plan due dates, track balances, and keep utilization in a healthy range—habits that support long-term credit growth and reduce surprises.

Savings & Advantages: Long-Term

As on-time payments accumulate and balances decline, your overall credit health may improve—potentially unlocking better financing terms in the future. With a stronger profile, you may qualify for cards that feature lower fees or richer benefits, multiplying your savings over time.

Security & Peace of Mind

Use built-in protections such as $0 liability for unauthorized purchases, real-time transaction alerts, and the ability to lock your card if it’s misplaced. Digital wallet compatibility adds a secure, fast way to pay without sharing the physical card.

Security Through Smart Habits

Enable two-factor authentication, set custom alerts (due date, high purchase, international use), and review statements monthly. Keeping utilization low (many aim under 30%, often lower) and updating contact information helps you spot issues quickly and protect your progress.

Eligibility Criteria

Applicants typically need:

(1) a valid U.S. Social Security Number or ITIN,

(2) a U.S. residential mailing address,

(3) verifiable income details,

(4) a checking account or debit card to make payments, and

(5) to meet the issuer’s credit and identity-verification standards.

You must be at least 18 years old (higher minimum may apply in some states). Product availability, fees, and limits are subject to approval.

Application Process

1. Review current terms: Check the official offer for fees, APR ranges, credit limits, and key disclosures.
2. Assess fit: Decide how you’ll use the card to build credit (small, planned purchases; on-time payments; low balances).
3. Start your application: Provide your legal name, U.S. address, SSN/ITIN, income and housing information, and contact details.
4. Consent & submit: Agree to the electronic disclosures and submit your application for a decision.
5. Verification (if requested): You may be asked for additional documentation to confirm identity or income.
6. Activate & set up: After approval, activate your card, enroll in e-statements, turn on alerts, and set up autopay.
7. Use strategically: Begin with modest, predictable transactions; pay on time; keep utilization low; monitor your credit dashboard monthly.

FAQ

1) Does TOTAL Visa® require a security deposit?
No. It’s an unsecured credit card; no deposit is required.

2) Will my activity be reported to credit bureaus?
Yes. Responsible use is reported monthly, which can help build your credit history over time.

3) Does the card earn rewards?
No. The product is designed for credit building and predictable payments, not points or cash back.

4) Are there fees?
Yes. As with many credit-building cards, fees may apply. Review the current pricing, limits, and terms on the official offer before applying.