UNITY Visa Secured Credit CardUnaffiliated
in Personal Credit Cards from OneUnited Bank
Strongly not recommended
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Who is this credit card designed for?
UNITY Visa Secured Credit Card is a secured credit card 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 up to $10.
- UNITY Visa Secured Credit Card does not charge a returned payment fee.
- 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:
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.
- Washington, DC
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
|Grace Period for Late Payment (Days)||25|
|Returned Payment Fee||$25|
|Minimum Interest Charge||$1|
|Late Fee Amount||$10|
|Balance Transfer Fee %||3%|
|Balance Transfer Fee Minimum||$10|
|Foreign Currency Transaction Fee||2%|
|Credit Score Range||
300 - 640
|Immigration Status Considered||
|Employment Statuses Considered||
|Supported Income Types||
|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)|
|Balance Transfer APR (Fixed APR)||Starting at 17.99%|
|Intro APR period (months)||6|