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Credit and Loans

Total Visa® Unsecured Credit Card Review

Discover the Features and Application Process for the Total Visa® Unsecured Credit Card

Credit Card

Build Credit with No Deposit Required

  • Annual Fee: $75 (First Year); $99 Annually (After First Year)
  • APR: 29.99% Variable
  • Initial Credit Limit: $300
  • Credit score: Poor to Fair

Total Visa® Unsecured Credit Card

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No Security Deposit Required

The Total Visa® Unsecured Credit Card offers an opportunity to build or rebuild your credit without needing a security deposit. It’s designed for individuals with less-than-perfect credit who are looking to establish a positive credit history.

Application Process

Applying for the Total Visa® Unsecured Credit Card is straightforward. Start by pre-qualifying, which doesn’t impact your credit score. Once approved, you’ll need to pay a one-time program fee of $89 to activate your account.

Total Visa® Unsecured Credit Card

No deposit required to start building your credit.

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Credit Building with Total Visa®

The Total Visa® Unsecured Credit Card reports to all three major credit bureaus, which means your on-time payments and responsible usage can help improve your credit score over time.

Considerations and Fees

While the OpenSky® Secured Visa® Credit Card offers easy access to credit, it’s important to be aware of the associated fees, including the annual fee and the high APR. Make sure to budget for these costs to avoid financial strain.

OpenSky® Secured Visa® Credit Card

Annual Fee: $75 for the first year; $99 annually thereafter.

How to apply

Frequently Asked Questions