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Total Select (Consumer Credit Card)

Total Select (Consumer Credit Card) — Terms, Rates & Fees

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Total Select cardholders get FREE access to Credit Monitoring powered by TransUnion. Enroll Today! $300 Credit Limit. Chip-Enabled Card for Added Security. Credit Limit Increase Possible After 12 Months. Reports Monthly to Major Credit Bureaus. Quick and Easy Approval Process.

Nav's Verdict

Cost

HighLow

Effort to Apply

DifficultEasy

Card Perks

PoorGood

Features

PoorGood

5/10

Bottom Line

Enjoy the benefits of a credit-building card without a security deposit. Credit limit is based on your initial available credit which starts at $300. This card has a monthly service fee of $6.25 per month after your first year, on top of the annual fee.

Pros

Reports monthly to 3 credit bureaus.

Cons

Multiple fees and high APR.

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Rates and Fees

Terms, Rates & Fees

Intro APR

N/A

Purchase APR

29.99% APR, compounded daily

Annual Fee

$75 Annual Fee, 1st year ($48 after 1st year)

Welcome Offer

N/A

Rewards Rate

N/A

Foreign Transaction Fee

N/A

Reviews

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Personal FICO credit scores and other credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit or financing type you are eligible for. Nav uses the Vantage 3.0 credit score to determine which credit offers are recommended which may differ from the credit score used by lenders and service providers. However, credit score alone does not guarantee or imply approval for any credit card, financing, or service offer.

Editorial Disclosure

Any personal views and opinions expressed are author’s alone, and do not necessarily reflect the viewpoint of Nav. Editorial content is not those of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Reviews are not provided or commissioned by the credit card, financing and service companies that appear in this site. Reviews have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.