POOR CREDIT?

Easy Application & Quick Response!

**See Rates, Fees, Costs, and Limitations page for additional details.

Start Application

Continue Application

Review Terms & Conditions

Approval & Pay Program Fee

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Phone number must be 10 digits

Minimum one phone number required.

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I certify that I am a U.S. resident over the age of 18.

Choose Your Card Design*
Select your Total Card Visa card design below by clicking on the card design of your choice.
Free Designs
Grey Total Card Visa
Blue Total Card Visa
Beach Total Card Visa
Premium Designs $6.95
If you choose one of these premium card designs below, you will be charged a Premium Plastic Card Design Fee of $6.95 that will be billed to your account.
Premium Car Total Card Visa
Premium Bunny Total Card Visa
Premium Beach Total Card Visa
Premium Flowers Total Card Visa
Premium Mountain Total Card Visa
Premium Rainbow Total Card Visa

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Total Visa Credit Card

TOTAL Visa® is for people with a checking account who want a true Visa credit card that does not require perfect credit for approval. Apply now to get a response online in seconds.

Complete Application

Applying is quick & easy with our SECURE online application.

Credit Decision

Review the terms and conditions, submit your application & get your credit decision!

Pay Program Fee

If approved, pay the $89 Program Fee** to open your account.

Download Mobile App

Download our mobile app for either iOS or Android* for quick access to your account.

*Google Play and the Google Play logo are trademarks of Google LLC.
App Store is a service mark of Apple Inc.

CARD FEATURES

Manageable Payments
MANAGEABLE MONTHLY PAYMENTS
Accepted US and Online
ACCEPTED BY MERCHANTS ACROSS U.S. AND ONLINE
Credit Bureaus
MONTHLY REPORTS TO CREDIT BUREAUS
Checking Account Required
CHECKING ACCOUNT REQUIRED
Free Credit Monitoring Powered By Transunion
FREE CREDIT MONITORING POWERED BY TRANSUNION®

MANAGEABLE MONTHLY PAYMENTS

ACCEPTED BY MERCHANTS ACROSS U.S. AND ONLINE

MONTHLY REPORTS TO CREDIT BUREAUS

CHECKING ACCOUNT REQUIRED

FREE CREDIT MONITORING POWERED BY TRANSUNION®