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UNITY Visa Secured Credit Card

in Personal Credit Cards

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UNITY Visa Secured Credit Card

Unaffiliated

in Personal Credit Cards

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3 users don't recommend
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Overview

Who is this credit card designed for?

UNITY Visa Secured Credit Card is a secured credit card issued by OneUnited Bank, which is based in Los Angeles, CA.  Secured cards are a type of credit card that is backed by a secured payment, which is used as collateral. These cards are often used by borrowers with poor credit or little credit history to help build their credit.

UNITY Visa Secured Credit Card is designed for people with a credit score of 300 to 640.

This card has a credit limit of $10000.

What are the relevant APRs?

UNITY Visa Secured Credit Card has a fixed purchase APR starting at 17.99%.

The card has a fixed balance transfer APR starting at 17.99%.

It also has a fixed cash advance APR starting at 17.99%.

Is an introductory APR offer available?

Yes, UNITY Visa Secured Credit Card offers an introductory APR rate on balance transfers of 9.95% for a period of 6 months.

UNITY Visa Secured Credit Card does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to UNITY Visa Secured Credit Card:

  • An annual fee of $39. Make sure the rewards and benefits of this card justify the cost of the annual fee.
  • A late payment penalty of $10.
  • A returned payment fee of $25.
  • There is no overlimit fee
  • A foreign transaction fee of 2%. Transactions in a foreign currency get hit with a 2% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $20.

Is a rewards program offered?

No, UNITY Visa Secured Credit Card does not offer a rewards program.

Is a signup bonus offered?

UNITY Visa Secured Credit Card doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

UNITY Visa Secured Credit Card doesn't offer a cash loyalty bonus.

Does UNITY Visa Secured Credit Card report your account activity to credit bureaus?

UNITY Visa Secured Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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Availability

Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period for Late Payment (Days)
25
Over-Limit Fee
$0
Late Payment Penalty
$10
Returned Payment Fee
$25
Minimum Interest Charge
$1
Annual Fee
$39
Foreign Currency Transaction Fee
2%
Minimum Age
18
Credit Score Range
300 - 640
850 300 640
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type
Personal
Purchase APR
(Fixed APR)
Starting at
17.99%
Cash Advance APR
(Fixed APR)
Starting at
17.99%
Balance Computation
average daily balance (including new purchases)
Credit Limit
10000
Balance Transfer APR
(Fixed APR)
Starting at
17.99%
Transfer Fee
3%
Transfer Fee %
3%
Transfer Fee Minimum
$10
Introductory Rate
9.95%
Intro APR period (months)
6

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