UNITY® Visa Secured Credit Card

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 rarer trait among credit cards.

This card is currently one of our picks for Best Balance Transfer Credit Cards.

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  • Rewards


  • Signup Bonus None
  • Chip Technology None
  • Foreign Transaction Fee See Terms
  • Intro Balance Transfer APR 9.95% for 6 months
  • Regular Balance Transfer APR See Terms
  • Cash Advance APR See Terms
  • Penalty APR See Terms
  • Late Fee See Terms
  • Returned Payment Fee See Terms

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • Reports to the Major Credit Bureaus

    This card will report your activity, positive or negative, to the 3 major credit bureaus.

  • How to Rebuild Credit Program

    Information and advice on how to improve your credit score.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 15 reviews
by t.jennings07
Wolf In Sheep's Clothing

Bad customer service, they took away online pay to make it even harder to make on time payments, high fees. Ive made one purchase and paid it off but somehow have accrued $63 in fees even though I never even use the card and they aren't willing to work with me at all and are very rude and unsympathetic. "Banking Black" makes me never want to bank black again because of this bank.'

by Kevin B
scam - or at least not helpful.

1. Got the 39.00 bill and a bunch of junk mail. 30 days later still no card. Had to make a payment without receiving the card yet. made the payment on the 19th for a due date of the 25th. They have yet to credit it. You have to pay by bill pay or by check - they do no auto debit. This is not designed to build your credit its an opportunistic parasite that takes advantage of people trying to rebuild credit. Stay away!

by Luis

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 established bank, like Wells, Discover, etc.As well as the card and reason why they don't even accept payments online is simply private labeled services.Only way to pay is via mail and if you have a checking account, the payment from any bank takes at least 2 weeks to post.A company that is from Boston, makes you send payments to Tampa Bay, Florida.... why, is a "generic billing center" like their "generic call center as well" that they answer with company name of whatever their computer screen shows.Customer service is also a "generic call center" and they have no clue about his product scam. So save your time and contact www.consumer.ftc.gov/articles/0048-government-imposter-scamsThey will not solve your questions or problems.I closed the account over 60 days ago, as as most "legit" secure cards, they apply your deposit towards the balance.They will not tell you neither via mail, nor email --as they finally claimed they do and will have IT track the email, (only time they supposed to use email to communicate), as indeed they don't want the mess and scam they have with documented trace. But claiming they sent an email and they don't send direct mail like every statement (except the closing confirmation of the account), but 4 to 6 weeks later, they will send that you still own money and claim emails with confirmation were sent as well as continuous monthly statements. They don't send it so people using this "black card"By the way, if they finally call you will be from another location (Huntington, CA). Kyle Robinson (I recorded her conversation to share with consumer reporting agencies), with a Jerry Springer, show attitude and tone of voice, that you will never be right, she is. Once you say you complaint to the FTC, Better Business Bureau, and many other agencies -- which by the way, BBB never gets an answer from One United / Unity Visa because they can not follow up with their hired outsourced customer service numbers and transfers.---- What they are doing (holding you hostage), is making your account default (even if you had a positive balance when closed), hence why they do not send you any confirmation and/or communications for over 60 days. That way they can keep the deposit, have a partnership with collection agency, get a second income from selling the account to the collection agency, and they make almost double from the initial deal. Plus indeed will have a very bad influence in your credit report.Stay 100% away from Bank United Bank and Unity Visa. Don't even consider it.Don't fall for what I believed & mistake. Hundreds of other people did.Good luck!

by Unhappy Customer

Do NOT Put your money in OneUnited Bank. Pretty soon that Bank will go under with the way the profits look. Which is the reason they're pushin #Bankblack so hard. Please do some more research and Google "OneUnited Bank" my friend put money in for a unity Visa card and he's having a hard time getting it back. But besides that they're operations are sucking and their profits are low. In 2015 the profited 48K and last year because of bank block they profited 250K.Google Kevin Cohee and Narcotics. Google "OneUnited Bank and FDIC Cease and Desist".The CEO( Kevin Cohee) had spent 6.4 million on a mansion and 800K on a condo. This bank is used as Kevin and Teri's piggybank.Please spread the word there are so many more black banks that offer good services. I would give this card and Bank negative stars if I could.

by Sam Hoffman
Very Bad Credit Card

I am taking this time to write, and I hope it will be helpful for many
It’s important to know WHAT PROBLEMS you getting into prior making this Unity Visa Credit Card , be very careful before making this bad decision
I made 3 “Secured Credit Cards” a few years ago , I was very happy with ALL, until Unity Visa has changed their policy, and Unity Visa became impossible to work with , The worst Credit Card Company, I don’t know how they are still in business, I guess people like to suffer the same way I did for a few years (I just closed the Unity Visa Credit Card) I stayed with Merrick Bank and Capital Bank both of them are a pleasure
Here are the problems I had with Unity Visa
Since they stopped accepting Pay By Phone or On Line Payments This is the problems I had the last 2 years
1-I usually receive the credit card bill on the 10th of the month, The due date is on the 25th , Even I mail the check/payment same day of receiving the bill, there is a big chance of being late, since the USPS takes a few days, Unity Visa processing takes a few days, so there is a 80% chance of being late, I have the pressure every month to go on line, and see if the statement has already been posted, then mail a check before I even get the paper bill
2-I had once where they haven’t received the mailed check – I was hit with a late fee of $35.00 – There was no way I can proof that it was mailed..
3-Since then I started using “Check Payments through Chase Bank” so I can track the day they mailed checks and see on line when vendors deposit the check, and I never had a problem with anyone using that feature from Chase – the ONLY PROBLEM I had, was with Unity Visa – The money was debited from my account through Chase Bank, because they mailed the check, and Unity Visa claimed they never received it , even I had proof it was send out and chase bank debited to funds
Customer Service
A-They don’t accept emails
B-The ONLY way to communicate with them is by phone – and don’t expect to get through to someone before waiting 30+ minutes
C-They have a call center in Pakistan and they hardly know English , so if you need to speak to another rep, you will wait another 30+ minutes (BTW if you are looking to waste time this is perfect, a simple call will keep you from 1-2 hours
D-Most of the times, you reach the wrong department, and they will need to transfer your call, and finally waiting another half hour, it was again the wrong department… You can’t imagine the frustration ..
E-Once I was waiting for 48 Minutes and the phone got disconnected

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