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RATING

UNITY® Visa Secured Credit Card

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Our rating
Min. credit level: Bad
Annual Fee: $39
Regular APR: 17.99% Fixed
Intro Balance Transfer APR: 9.95% for 6 months

UNITY® Visa Secured Credit Card

Our rating
Bad Min. credit level
$39 Annual Fee
Apply Now Read Our Review

Highlights & Features

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 9.95% for 6 months
Regular Balance Transfer APR 17.99% Fixed
Balance Transfer Fee See Terms
How to Transfer a Balance on a Credit Card

Fees

Penalty APR See Terms
Late Fee See Terms
Returned Payment Fee See Terms
Additional Cards Annual Fee N/A
Foreign Transaction Fee See Terms
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR See Terms
Cash Advance Fee See Terms
How to Get a Cash Advance with a Credit Card
UNITY® Visa Secured Credit Card

Highlights

  • Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • *See the Cardholder Agreement for more details.
ABOUT THE ISSUER

OneUnited

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-877-663-8648 or

Try a different phone number

The UNITY® Visa is a secured credit card that helps users rebuild their credit. It comes with a fixed APR, as opposed to a variable APR, which is a rare trait among credit cards.

Nicknamed the “Comeback Card,” it’s designed to help you restore your credit by reporting to the three major credit bureaus and offering tools and guidance to help raise your credit score and avoid paying interest.

You’ll need a security deposit of at least $250 to use your card, and you’ll get a fixed APR of 17.99% for purchases and balance transfers.

Along with some other fees you can find in the documentation you’ll get if you’re approved, this card has a $39 annual fee.

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