Last Updated: 07/28/2025
SuperMoney User Recommendation Score -81
Strongly not recommended21 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Fixed APR)
17.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
17.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
300 - 640
Annual Fee
$39
Number of Reviews
UNITY Visa Secured Credit Card Review
This is a secured credit card issued by OneUnited Bank. If you're wondering whether UNITY Visa Secured Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a fixed purchase APR of 17.99%
- A 3% balance transfer fee. UNITY Visa Secured Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of UNITY Visa Secured Credit Card
| The Good | The Bad |
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UNITY Visa Secured Credit Card FAQ
Does UNITY Visa Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for UNITY Visa Secured Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.UNITY Visa Secured Credit Card has a fixed purchase APR of 17.99%. The card has a fixed balance transfer APR of 17.99% . It also has a fixed cash advance APR of 17.99% .
Does UNITY Visa Secured Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 9.95% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 9.95% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does UNITY Visa Secured Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for UNITY Visa Secured Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $39.
Does UNITY Visa Secured Credit Card have a foreign transaction fee?
UNITY Visa Secured Credit Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for UNITY Visa Secured Credit Card?
The customer service number for UNITY Visa Secured Credit Card is (877) 663-8648.
What is the support contact email for UNITY Visa Secured Credit Card?
The support contact email for UNITY Visa Secured Credit Card is customersupport@oneunited.com.
How do people rate the customer service and user experience of UNITY Visa Secured Credit Card?
Overall, UNITY Visa Secured Credit Card is strongly not recommended based on community reviews that rate customer service and user experience.
Does UNITY Visa Secured Credit Card report your account activity to credit bureaus?
Yes, UNITY Visa Secured Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does OneUnited Bank perform a hard credit pull?
Yes, UNITY Visa Secured Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for UNITY Visa Secured Credit Card
- Visit the website of UNITY Visa Secured Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -81, or 1.4 on a 5-point rating scale.
-81
-1000+100
No one recommends
Everyone recommends
UNITY Visa Secured Credit Card Community Reviews
Would you recommend UNITY Visa Secured Credit Card to your friends?
AP
Antonio P.
Oct 2, 2023
May or may not recommend
I had a 400 dollar card that I made a deposit on. After useing the card for about a year and it's so hard to make payments on the card. So I paid the card off and asked for my money. It's been over a year and they haven't send my money. 400 they will not give back and I took a lose. Losing point on my credit and ...Show More
HH
H H.
Jun 17, 2023
May or may not recommend
I have an issue with my credit card and it has been extremely frustrating trying to find someone who can help me with my issue. All they can do is connect me with someone who handles lost or stolen cards and that is NOT my issue. I have called many times and have had no luck. I would not recommend this bank even to my worst enemy.
Marquice C.
May 11, 2023
May or may not recommend
Savings account was closed without my approval or knowledge, overdraft protection was cancelled without my approval or knowledge, and after banking with OneUnited for 3 years I can’t obtain a loan through them. This bank is not for me and did not meet my banking needs at all!
DM
Delmo M.
May 2, 2021
May or may not recommend
This is the absolute WORST secured card out!????...only can make a online payment every 25 days!????...no way too contact customer service if you don't have ur account number( I lost my card) and it took almost 2months too get a replacement card! #smh...they claim too be BLACK OWNED...but they give BLACK businesses a very bad name!..stay away from this credit card!!! Existing cardholders shud BOYCOTT get on all social media...and ...Show More
JD
Jon D.
Jan 9, 2021
May or may not recommend
Had a really terrible experience with OneUnited Bank. I thought I was supporting a good cause... instead, I got scammed. I opened up a checking account after perusing the details on their website (since then, they've changed their page to reflect more accurate information). Without notification, they charged me monthly maintenance fees until I had a negative balance in my account. After contacting Customer Service, the bank decided I was ...Show More
DC
Dani C.
Sep 2, 2020
May or may not recommend
Worse customer service. Todd was not helpful they tried to charge me $50 twice to have my debit card expedited after my account was flagged for fraud and in the middled of COVID-19 when people are not working and times are hard enough
JB
Jennifer B.
Aug 13, 2020
May or may not recommend
I had the account for years when I finally closed my account they will not give me my deposit back of $1000 it has been five months they said they electronically sent it to a bank account that I no longer have and I have to take it up with the bank it’s ridiculous. All they had to do was mail me a check now somebody else has my thousand ...Show More
U
Anonymous
Jul 30, 2020
May or may not recommend
I have only had this account for less than a month and the customer service is very lacking and for some reason I am not able to access the funds in the account due to not being able to get a debit card or like most banks use cashapp, zelle and or whatever. I was told that every transaction takes 2-3 days. of course no one answers the ...Show More
Black C.
Jul 12, 2020
May or may not recommend
Black owned banks are an anomaly. I would recommend that black people do business with black owned banks and other institutions.
U
Anonymous
Apr 23, 2020
May or may not recommend
I got this card to boost my credit because I didn't have any credit cards. I decided to go with a handful of secured cards to pad my score and I chose Discover and Unity. Unity has been, by far, the worst financial experience I have ever had. The customer service is blah, when I call customer service I don't want to talk to someone who sounds like they hate ...Show More
LC
L C.
Apr 11, 2020
May or may not recommend
Stay away from this card. Customer service doesnt speak English and hold times are very long. I've been trying to pay my balance down quickly and learned the hard way that you can only pay ONCE a month with the western union speedpay on their website. When I finally spoke with customer service, they told me to use my banks bill pay. It's been almost 2 weeks ...Show More
WB
William B.
Mar 6, 2020
May or may not recommend
THIS IS A FRAUDULENT BANK!!!! STEER CLEAR AT ALL COSTS!!! PLEASE do not make the same mistake I made getting in bed with this "bank". They hold your money/payments/credit hostage. They DO NOT have ANY proper customer service. I spoke to Karen and Cherie among countless other WORTHLESS representatives regarding an issue with them I had to call on average ONCE A WEEK to get resolved and STILL NO HELP. ...Show More
Jessica H.
Oct 23, 2019
May or may not recommend
THIS IS A BAD CARD!!!!!! I made a deposit for 300 secured card and found out when it was time for payment that it can only be done ONCE A MONTH through speedpay it still takes a week for your payment to post! I set up bill pay for this purpose and I payed 50$ three weeks before and still not credited in addition I sent two more payments of ...Show More
BE
Brenda E.
Jun 26, 2019
May or may not recommend
I would not recommend this card, especially for people trying to rebuild their credit. Customer service is not helpful, you are passed around and then at times told to send an email. A response to the email is never received. Payments are not posted in a timely manner. Sometimes taking up to 9-15 days to post to your account. I know this because I started sending mine via USPS with ...Show More
James M.
May 2, 2019
May or may not recommend
I have a few credit cards and this one by far is the most difficult just to simply make the monthly payment. Also it is almost impossible to get a live representative one the phone to get any questions answered.
Faith D.
Apr 13, 2019
May or may not recommend
Opened a savings account to support the movement. They took over $25 in maintenance fees in less than 4 months which I disputed and closed my account subsequently. Both opening and closing my account was a challenge and took weeks to complete. I was also treated rudely by customer service and management, being hung up on and offered no resolution at any time. Worst banking decision ...Show More
Tina M.
Feb 7, 2019
May or may not recommend
They are a scam company. I paid off my card and cancelled on Dec. 31. I was told it took 30 days just to make sure no other charges were made before getting my $300 deposit back. I called on Feb 2 and was told the rep did not see any request to cancel. then I was told to call back in 24 hours. I called back on feb 4th ...Show More
Jim P.
Sep 2, 2018
May or may not recommend
The Worst of The Worst. This card is a Three Ring Circus. Right from the start nothing but problems. First a Card I never received. Being Red taped with 20 to 40 minute waits and shuffled around from agent to agent in Customer Service. Their customer service is third party so you are never dealing with their bank. You can pay them their Secured Deposit through your Banks Debit card ...Show More
Luis R.
Jun 21, 2017
May or may not recommend
Make an informed decision and google unity visa complaints, scam.
If you don't have much time, scroll down to --- "What they're doing"
If this review offers -5 stars that would be what they deserve.
First, this "black bank and team" DO NOT EVEN HAVE a way to pay via their website when initially they had it. Initially they did.
This is simply a SCAM.
Get your secure card with an ...Show More
U
Anonymous
Apr 14, 2016
May or may not recommend
For me they working Great!!
Security Deposit and Everything
????
Showing 20 of 21 reviews
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