Total Visa Card
Bank of Missouri and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Bank of Missouri. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Total Visa Card from Bank of Missouri earns up to 1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $147.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $147
Best for dining-heavy spend when the $147 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1% back.
What does the Total Visa Card earn in each category?
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Total Visa Card compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Total Visa Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Total Visa Card?
The Total Visa Card fits spenders who put meaningful volume in dining and can earn 1% back. Best for spenders who put meaningful volume in dining and can earn 1% back.
Total Visa Card fits spenders who put meaningful volume in dining and can earn 1% back. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1% back.
Less compelling if the $147 annual fee is hard to offset. Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $147 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1% effective (1% back).
- Rewards post as cash back; compare redemption paths before assuming cash-equivalent value.
Cons
- $147 annual fee requires enough spend in bonus categories to offset.
- Charges $4 foreign transaction fees.
Does the Total Visa Card have an annual fee?
The Total Visa Card has an annual fee of $147 and a foreign transaction fee of $4. Confirm current fees on the issuer page before applying.
- Annual fee
- $147
- Foreign transaction fee
- $4
What benefits come with the Total Visa Card?
The Total Visa Card includes Booking.com, Dovly Uplift™, OpenTable in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Dovly Uplift™
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Related encyclopedia topics
Common questions about the Total Visa Card
Does the Total Visa Card have an annual fee?
The Total Visa Card carries an annual fee of $147 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Total Visa Card?
Dining is the strongest Madeen category for the Total Visa Card at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Total Visa Card charge foreign transaction fees?
The Total Visa Card charges a foreign transaction fee of $4 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
Is the Total Visa Card annual fee worth it?
Whether the $147 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Total Visa Card?
Madeen's catalog lists a typical credit range of No Credit History / Rebuilding for the Total Visa Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Total Visa Card?
Rewards on the Total Visa Card post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Total Visa Card compare to similar cards?
Compare the Total Visa Card against Bank of Missouri Visa Signature (3% on Dining, $95 fee); SoFi Everyday Cash Rewards (3% on Dining, $0 fee); Ollo Optimum (Bank of Missouri) - discontinued (2.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Total Visa Card This card | Dining | 1% | $147 |
Bank of Missouri | Dining | 3% | $95 |
Bank of Missouri | Dining | 3% | $0 |
Bank of Missouri | Dining | 2.5% | $0 |
Bank of Missouri | Dining | 2% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Bank of Missouri and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Bank of Missouri. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure