Accept Pre-Approved Letter Offer

Simply enter the Reservation Code printed on the bottom of your letter to get started. For help finding your Reservation Code, click HERE.

Didn't receive an invitation to apply in the mail? It's easy to apply for your very own Total Visa Credit Card. Just click HERE to be taken to our application page.

In order to ensure you receive the terms of the direct mail offer you were mailed, you will need to enter your Reservation Code in the box above and select the Continue button.

Starting on 1/6/2020 there are changes to the Minimum Interest Charge, Cash Advance Fee, Late Payment Fee, Returned Payment Fee and How We Will Calculate Your Balance. The changed terms are described in the table below. After you enter your Reservation Code and Continue please refer to the Rates, Fees, Costs and Limitations page for additional information and other terms applicable to your offer.

Interest Rates and Interest Charges
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.00.
Transaction Fees
Cash Advance Fee
None for the first year (introductory).
After that, either $10.00 or 3% of the amount of each cash advance, whichever is greater.
Penalty Fees

Late Payment Fee

Returned Payment Fee
Up to $40.00

Up to $40.00

How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."


If you received a "prescreened" offer of credit from us in the mail, this offer was based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not continue to meet our criteria, if you already have a product from us, or if you have applied for our product in the last 90 days. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll free at 1-888-567-8688, or write to:

PO BOX 740123
Atlanta, GA 30374

PO BOX 919
Allen, TX 75013

PO BOX 505
Woodlyn, PA 19094