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  UNITY Visa Secured Credit Card

UNITY Visa Secured Credit Card

in Personal Credit Cards from OneUnited Bank

Unaffiliated

UNITY Visa Secured Credit Card

Unaffiliated

in Personal Credit Cards from OneUnited Bank

SuperMoney Net Recommendation Score -78% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

1 user recommends
0 users are unsure
8 users don't recommend
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Highlights
Highlights
Community Rating Strongly not recommended
Annual Fee $39
Purchase APR  (Fixed APR) Starting at 17.99%
Balance Transfer APR  (Fixed APR) Starting at 17.99%
Credit Score Range 300 - 640
Number of Reviews 9

UNITY Visa Secured Credit Card Review

UNITY Visa Secured Credit Card is a secured credit card credit card issued by OneUnited Bank. 

Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.

This card is designed for people who have bad credit. The minimum credit score to apply is 300.

This card has a credit limit of up to 10000.

If you're wondering whether UNITY Visa Secured Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a UNITY Visa Secured Credit Card cash back or rewards program?

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

UNITY Visa Secured Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

What are the relevant APRs for UNITY Visa Secured Credit Card?

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% .

Does UNITY Visa Secured Credit Card have an introductory APR offer?

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

UNITY Visa Secured Credit Card does not offer an introductory rate on new purchases.
UNITY Visa Secured Credit Card Balance Transfers
Description
Balance Transfer APR Starting at 17.99%
Introductory Rate 9.95%
Intro APR period (months) 6
UNITY Visa Secured Credit Card Rates & Terms
Description
Balance Computation average daily balance (including new purchases)
Purchase APR Starting at 17.99%
Credit Limit 10000
Penalty APR N/A
Cash Advance APR Starting at 17.99%
Introductory Rate N/A
Intro APR period (months) N/A

What are the UNITY Visa Secured Credit Card fees?

The following fees apply to UNITY Visa Secured Credit Card:

  • There is no overlimit fee
    UNITY Visa Secured Credit Card Fees
    Fees Amount
    Annual Fee $39
    Overlimit Fee $0
    Foreign Transaction Fee 2%
    Balance Transfer Fee 3%
    Minimum Balance Transfer Fee $10
    Returned Payment Fee $25
    Late Payment Fee $10

    Does UNITY Visa Secured Credit Card have a foreign transaction fee?

    UNITY Visa Secured Credit Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

    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 on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

    How to apply for UNITY Visa Secured Credit Card

    • Visit the OneUnited Bank website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • Check the information is accurate and submit your application.
    • If you're denied click here to find out why your application may have been rejected and what you can do about it.

    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...
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    About UNITY Visa Secured Credit Card

    Availability

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

    No Interest Grace Period for Late Payment 25
    Over-Limit Fee $0
    Returned Payment Fee $25
    Minimum Interest Charge $1
    Annual Fee $39
    Late Fee Amount $10
    Balance Transfer Fee % 3%
    Balance Transfer Fee Minimum $10
    Foreign Currency Transaction Fee 2%
    Minimum Age 18
    Credit Score Range 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%
    Introductory Rate 9.95%
    Intro APR period 6

    UNITY Visa Secured Credit Card Community Reviews

     

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