This offer is no longer available on our site: Total Visa® Credit Card
TOTAL Visa®
Great for building your credit history
Annual Fee: $48
This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Here’s the average credit limit of members who matched their TOTAL Visa Card or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $470, with $300 being the most common.
Here’s the average credit score of members who matched their TOTAL Visa Card or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 546, with 544 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
Member stats
Updated daily
32.5%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
53 years
Average age of members who matched this card or similar cards.
$86,320
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Member stats
Updated daily
64.5%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
48 years
Average age of members who matched this card or similar cards.
$74,651
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Member reviews
Most helpful positive review
April 6, 2016
Card is for people with bad credit.
— Credit Karma Member
I don't quite understand why people are complaining about the initial fees being so high. This card is for people with bad credit, not people with average or good credit. What do you expect them to just take the risk? Part of the reason for the high fees is because of the high risk. If you are truely interested in repairing your credit report then this card is perfect. Yes it's expensive, and yes it's going to put out? by about 164.00 to get it. But for people with credit scores below 540, I would like for you to show me a single other bank that is willing to take the risk of giving you a credit card. Once the initial fees are paid this Card is just like any other card. If you pay the statement balance each month you will never have pay any interest. If you set up autopay and pay statement balance there's absalutely no other costs. If you don't pay the statement balance and chose to pay your minimum monthly payment of 37.00, your interest is not much different then other cards. They report to the credit agencys which is what I got the card for. Basically I pay about 300 a month for 300 of credit. The 300 is money I would have used anyways, only difference is, it's in the form of credit and to whole point of it, it goes on my credit report which has helped my credit considerably. ?
Most helpful negative review
February 23, 2023
There is something so shady about this company
— Credit Karma Member
I can't put my finger on it, but this company is just so shady. The exorbitant fees, the crappy card design, the robotic customer service, the minimalist website. It all points to this company being a sham, a front for something more nefarious. I can't wait to close this card (I've tried once already and failed, will try again soon), and I wouldn't recommend them to my worst enemy.