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
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.

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