This unsecured credit card is available to consumers with all kinds of credit profiles, and it’s possible to get approved online in a matter of minutes. The biggest benefit of this card is that all your monthly payments are reported to the three credit bureaus, meaning you can use it to improve your credit score over time with responsible use.
The upfront costs with this card are high. You’ll pay $89 just to apply for the Total Visa® Credit Card, and a $75 annual fee applies the first year (annual fee is $48 for following years). You do have the option to choose your card’s design, and have manageable monthly payments.
