Bank of Missouri
Total Visa® Card
⚠Poor value — we do not recommend this card. It is listed as a cautionary example. The fees are high relative to what you get, and a no-fee secured card builds credit far more cheaply. See the review below for a better alternative.
Cash back only
Annual fee
$75 first year, then $48/yr
Welcome bonus
None
Min spend
N/A
Recommended credit
Poor or rebuilding credit
Offer last verified July 14, 2026. How we verify.
Earning rates
About 35.99% APR and no rewards
Features & benefits
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
Credit limit usually about $300, much of it eaten by fees
Reports to all three credit bureaus
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.
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