Total Visa

Earn 1% cash back reward on all payments made to your card!

Credit Card

Total Visa

Designed for building Easy application

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Need a little push to improve your credit or start building a financial history? A good credit card may be the solution. 

Total Visa offers you the chance to increase your credit and still earn cash back rewards on purchases. If you want to know how it works and how to request yours, just read on!

Earn 1% cash reward back on payments 

A nice advantage of Total Visa is the 1% cashback on all purchases. That is, for each payment you make, you get a share of the value back. 

Although it is not the largest cashback available, this advantage is excellent for those who are starting to build credit, since you can accumulate extra money in a simple way. 

If you usually shop on a daily basis, this 1% can end up being a good return, as well as helping you improve your credit. With an initial limit of $300, this benefit can be a way to make the most of what the card offers.

Pros and Cons

Before deciding if Total Visa is the right card for you, it’s good to understand the pros and cons.

Pros

• Ideal for anyone who wants to start building credit
• 1% Cashback on all purchases
• Easy to use app

Cons

• Annual fee of $95
• Very high APR rate (35.99%)
• Low initial credit limit

How do I know if the Total Visa is the best credit card for me?

To know if Total Visa is the best card for you, it’s important to evaluate your goals. If your focus is to start building or improving credit, it can be a good option as the card reports its activity to all major credit agencies. 

However, the annual fee of $95 and the APR of 35.99% can be a negative point if you are unable to pay the full balance at the end of the month. It is worth thinking about whether these extra costs are worth your budget. 

If you plan to use the card for everyday purchases and pay on a day-to-day basis, it may be an interesting choice.

Why do we like this card?

Total Visa is a good option for those who want to start improving credit, mainly because it reports the information to the main credit agencies. The advantage of earning 1% cashback on all purchases is also very attractive, besides the app being super easy to use. 

Because it is a Visa card, it is accepted in millions of places. Even with the fees, we think it’s worth it, especially for those who are starting out.