Start Application
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Review Terms & Conditions
Approval & Pay Program Fee
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![Black Total VISA Credit Card, designed for poor credit](assets/cards/Standard/TCV_Card_Front.webp)
**See Rates, Fees, Costs, and Limitations page for additional details.
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.
![Get a Total Visa Card and earn 1% cash back](../img/Total_Rewards_Info.png)
![Step 1 – Complete Your Total Card VISA Application](/assets/card_features_icon/TCV_Icons_4.png)
Applying is quick & easy with our SECURE online application.
![Step 2 - Get Your Total Card VISA Credit Decision](/assets/card_features_icon/TCV_Icons_5.png)
Review the terms and conditions, submit your application & get your credit decision!
![Step 3 – Pay the $95 Program Fee to Open Your Total VISA Card Account](/assets/card_features_icon/TCV_Icons_6.png)
If approved, pay the $95 Program Fee** to open your account.
![Total Card VISA Mobile App available in Apple App Store and Google Play Store Android](/assets/card_features_icon/TCV_Icons_1.png)
Download our mobile app for either iOS or Android* for quick access to your account.
![](/assets/mobile_download/app_store.png)
![](/assets/mobile_download/google_play.png)