In today’s digital financial landscape, innovation is crucial to stand out. The Total Select Credit Card emerges as a modern and efficient solution, catering to the needs of a more demanding and connected audience. With the growing popularity of digital payments and the search for financial products that offer more than just transactions, the Total Select Credit Card shines with its unique combination of benefits and cutting-edge technology.

This article explores what makes the Total Select Credit Card such an attractive option in the market. We will analyze its main advantages, highlight some drawbacks that need to be considered, and discuss how and when the Total Select Credit Card can be best utilized. Our analysis will help you understand if this card is the right choice for your financial needs.

Benefits of the Total Select Credit Card

The benefits of the Total Select Credit Card are diverse and offer competitive advantages compared to other cards available on the market. From exclusive rewards to the flexibility of international use, this card promises to transform how you manage your daily finances.

One of the card’s most significant advantages is its accessibility to those with less-than-perfect credit. With no need for a security deposit, this unsecured card allows users to start with a $300 credit limit and build their credit over time. The card reports to all three major credit bureaus, helping users improve their credit scores with responsible use​.

Another considerable benefit is the ease of approval and the absence of a high upfront program fee, which is a notable difference from other similar cards. Additionally, the card offers potential credit limit increases after 12 months, though these come with a fee​.

Security is also a strong point for the Total Select Credit Card. The card is chip-enabled, providing added security, and users receive free access to credit monitoring tools powered by TransUnion.

Drawbacks of the Total Select Credit Card

Despite its many benefits, the Total Select Credit Card is not without its downsides. It’s important to consider all aspects before deciding if this card is the right choice for you.

One of the main drawbacks is the high annual percentage rate (APR) of 29.99%, which is compounded daily. This means carrying a balance can quickly become costly​. Additionally, while there is no upfront program fee, the card does come with an annual fee of $75 for the first year and $48 after that. There is also a monthly servicing fee after the first year, adding to the overall cost​.

Furthermore, customer service has been a point of frustration for some users, with reports of difficulties in reaching support, especially in cases of fraudulent charges. The credit limit increase fee of 20% of the increase amount is also something to be cautious about, as it can significantly reduce the additional credit available.

When is the Total Select Credit Card Worth It?

The Total Select Credit Card is ideal for consumers who value building or rebuilding their credit. If you are someone who is looking to improve your credit score and need a card that reports to all major credit bureaus without requiring a security deposit, this card could be an excellent choice.

To maximize the benefits of the Total Select Credit Card, it’s advisable to pay off your balance in full each month to avoid the high APR charges. This card is best used for small, manageable purchases that can be easily paid off to steadily improve your credit standing.

Requirements and How to Apply for the Total Select Credit Card

To apply for the Total Select Credit Card, you need to meet a few basic requirements. Applicants must be at least 18 years old and have a valid Social Security number. A checking account is also required to qualify for the card. Additionally, since the card is designed for individuals with less-than-perfect credit, having a fair or poor credit score does not automatically disqualify you.

Applying for the card is straightforward. You can start by visiting the card issuer’s website and filling out the online application form. The application process is quick, and most applicants receive a decision almost immediately. If approved, you will need to pay the first annual fee upfront, which will be deducted from your initial credit limit of $300. After approval, you will receive the card in the mail, and you can start using it to build or improve your credit.

Alternatives to the Total Select Credit Card

While the Total Select Credit Card offers many benefits, other options in the market might better meet your specific needs. Let’s explore some relevant alternatives.

For those looking for a card with no annual fee, the Milestone® Mastercard® could be a better option, as it offers a simplified rewards program without the high costs associated with the Total Select Card.

If maximizing travel rewards is your goal, the Fortiva® Mastercard® Credit Card might be more appealing, offering a higher points accumulation rate for travel expenses​.

Finally, the Indigo® Mastercard® is a good option for those who prefer a lower interest rate and a more straightforward rewards program, with fewer hidden fees.

Conclusion and Experiences

The Total Select Credit Card offers a range of benefits that make it a strong choice in the credit-building market. Its accessibility, security features, and credit reporting benefits make it an attractive option for many consumers. However, the high APR and additional fees are important factors to consider.

In summary, if you fit the profile of a user who can fully utilize the advantages offered, the Total Select Credit Card can be an excellent addition to your wallet. However, for those seeking more economical alternatives or with different priorities, exploring other options might be a wiser choice.

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