Total Visa® Card
A $48-a-year credit-building card from Bank of Missouri.
Rates, fees, and full terms are set by Bank of Missouri and can change; check Bank of Missouri’s official terms for current rates and fees before applying.
Our review
The Total Visa is a fee-harvester in the same league as First PREMIER, and it is one to avoid outright. It stacks a program fee, an annual fee, and a monthly fee on a limit that is usually only about $300.
With no rewards and roughly a 36% APR, a big share of your tiny credit line is consumed by fees before you have bought anything. This is not a tool for building credit so much as a machine for collecting fees.
Think twice if: you were approved and feel stuck, because a secured card will approve you too, for free.
Our 2.8 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
There are no rewards. Everything about this card is a cost.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 0x | Base rate |
| Groceries | 0x | Base rate |
| Gas | 0x | Base rate |
| Travel | 0x | Base rate |
| Streaming | 0x | Base rate |
| Everything else | 0x | Everything else |
The fine print on rates: A fee-harvester on a roughly $300 limit: a one-time program fee, an annual fee, and a monthly fee, at a ~35.99% APR, with no rewards. Between the fees, much of your tiny limit is gone before you spend a dollar. A no-fee secured card is far better.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- No credit score minimum, approves poor credit
- Reports to all three credit bureaus
- Program fee, annual fee, and monthly fee on a ~$300 limit
- About 35.99% APR and no rewards
- Fees devour much of the limit; a free secured card is far better
The welcome bonus
No welcome bonus, just a program fee before you start.
Is it worth the annual fee?
The fee stack is the story: about an $89 one-time program fee, roughly a $75 annual fee, and about a $6.25 monthly fee (around $75 a year) after the first year, at about 35.99% APR on a roughly $300 limit. The fees can eat a large portion of your available credit on day one.
First-year value vs ongoing value
| Welcome bonus | None |
| To earn it | No minimum spend |
| Est. first-year value* | $-48 |
| Est. ongoing value / yr* | $-48 |
There is no lump-sum welcome bonus, so first-year and ongoing value are about the same, roughly $-48 a year on typical spending after the fee. What you see is what you get from day one.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- One-time program fee of about $89 to open the account
- Annual fee of about $75, plus a monthly fee of about $6.25 (roughly $75/year) after year one
- About 35.99% APR and no rewards
- Credit limit usually about $300, much of it eaten by fees
- Reports to all three credit bureaus
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
Skip this one entirely. If your credit is poor, a no-fee secured card, Discover it Secured or Capital One Platinum Secured, will approve you, cost you nothing in fees, and give your deposit back when you graduate.
The Total Visa exists because people do not know those free options are available to them. Now you do; choose the secured card.
Alternatives to the Total Visa® Card
Pairs well with
The Total Visa® Card earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Total Visa® Card lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
