Total Visa® Card

VISA Cash Back Rewards No Annual Fee

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Credit Score

300 680

Bad - Fair

Apply Now On The Bank of Missouri's secure website Terms apply. Approval is not guaranteed.

Annual Fee

See Terms*

Rewards Rate

Up to 10%

Foreign Fee

N/A

Purchase APR

N/A

Balance Transfer APR

N/A

Regular APR

35.99%*

Rates & fees apply. See issuer's website for full terms.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by The Bank of Missouri.

Total Visa is in the same family as First Access and Revvi: modest initial credit limit, a high APR, cash back at select participating merchants, a small return on payments, checking account required.

The checking-account requirement is unusual and worth noting — Total Visa requires you to have an active checking account from a U.S. bank to apply. Otherwise, the card sits in the same subprime tier as its branded siblings: high fees, narrow rewards program, suitable for credit access only when better alternatives have declined. The Mission Lane Cash Back Visa earns more at lower cost if it approves you; this is the fallback when it doesn't.

Card Details

Double the Rewards: Earn Up To 10% Cash Back on Purchases at select merchants & 1% Back on Payments!^^
An initial credit limit Up To $500! (See terms*)
Checking account required.
Free credit monitoring powered by TransUnion®
Fast and easy application process.
All credit types welcome to apply.
*See Rates, Fees, Costs & Limitations for complete offer details
^^1% Cash Back is earned on payments to your Credit Card. Up To 10% Cash Back is earned on qualifying purchases at select participating merchants. Offer percentages vary by merchant and are subject to change. See Total Card Visa Rewards Programs Terms & Conditions for details

Also in: Top Credit Cards 2026 Cash Back Rewards

Total Visa® Card

Ready to apply? Visit the issuer's secure site.

Apply Now On The Bank of Missouri's secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.