UNITY® Visa Secured Credit Card

For People with
Bad Credit



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.

Card Quick Facts

Card Quick Facts

  • 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.

For People with
Bad Credit



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Card Details




How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $39
Additional Cards Annual Fee -
Regular Purchase APR 17.99% (Fixed)
Intro Purchase APR N/A for N/A
Foreign Transaction Fee See Terms
Chip Technology None
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR See Terms
Late Fee See Terms
Returned Payment Fee See Terms
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 9.95% for 6 months
Regular Balance Transfer APR See Terms
Balance Transfer Fee See Terms
Cash Advances

Cash Advances

Cash Advance APR See Terms
Cash Advance 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.

Visitor Reviews

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

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Average rating:  
 17 reviews
by Antoinette Penie

It's just sad how very inexperience everyone are. So they charged me even before I received the card in the mail. Didn't even use the card until a month later. That was a red flag from the jump. Now, when it came time for me to close the card they tell me that I have to pay the fees because the card was still in use when the fees were apply so therefore no refund. They are thieves and very greedy and dishonest. The only reason I got the card in the first place was because at the time I was very desperate and didn't think things through. For a secured credit card their fees are the worst and it is so ridiculous that they're charging that much for a secured credit card . Credit Union is the way to go.

by Mae
Horrible card to get!!!

Do not get this card. They say it’s to build credit but it ends up hurting your credit due to the fact that they take so long to process the payment! Even when they do process the payment the funds are not available to you for at least another five business days. I have never had such a bad experience with a credit card company!

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!

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