Review of the Unity® Visa Secured Credit Card

Brendan Harkness

Brendan Harkness | Reviews

Jul 15, 2016 | Updated May 06, 2019

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The Unity Visa Secured Credit Card is a very simple, bare-bones credit card designed for one purpose: to help you improve your credit by building up a positive account history.

This card is meant for people with bad credit. So it’s no surprise to find there are no rewards or extra benefits, and you’ll need to pay an annual fee.

This is a secured credit card, so you’ll also need to put down a security deposit when you’re approved, and this will be equal to your credit limit.

There aren’t any bells and whistles, but this card reports to all three of the major credit bureaus. If you use it responsibly you’ll be able to improve your credit and qualify for more rewarding cards.

Keep reading to learn more about this card, and find out if it’s a good choice to help you bring your credit score up.

The Rewards

There are no rewards for using this card, like points or cash back.

The Benefits


  • 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.

The Costs & Fees

Annual Fee Regular APR Intro Balance Transfer APR Regular Balance Transfer APR Cash Advance APR
$39 17.99% Fixed 9.95% for 6 months See Terms See Terms
Balance Transfer Fee Cash Advance Fee Foreign Transaction Fee
See Terms See Terms See Terms
Penalty APR Late Fee Returned Payment Fee Credit Limit Increase Fee Expedited Card Delivery Replacement/Additional Card Fee Stop Payment Fee
See Terms See Terms See Terms $10 $35 $10 $25

Take note that there are a few extra fees here that you don’t usually find on other credit cards: for credit limit increases, expedited card delivery, replacement cards, and stop payment. Most card issuers don’t charge for things like this, so keep that in mind.

You’ll need to pay a security deposit when you open this card, from $250 to $10,000 (because this is a secured credit card). The amount you pay will be equal to your credit limit, and you can increase your limit later on if you’d like (for the $10 fee mentioned above). When you close the card, you’ll get your security deposit back.

The annual fee for this card is quite low, and if you avoid interest charges by paying off your balance in full each billing period, that annual fee is the only charge you’ll need to worry about.

The fixed APR is unique as well, compared to the variable APR of most cards. A variable APR will go up or down along with the Prime Rate, while a fixed APR will stay where it is. But changes in the Prime Rate aren’t very frequent, and are usually very small, so this isn’t much of a selling point.

This card does not feature an online payment system, another very unusual situation for credit cards. Usually, the card issuer would like to make it easy for you to pay; but with this card, payments are only accepted by mail or by the bill pay system of your bank. Take note that these payment methods will take much longer than a typical online transfer, so you’ll need to submit your payments early.

The Bottom Line: 1 Star out of 5

The Unity Visa Secured Credit Card is a very simple card, designed only to help you build your credit rather than provide rewards or benefits. If you have bad credit and want to improve it, your options will be limited and so this could be an offer that you should consider.

Keep in mind that this card has quite a few extra fees that most cards don’t have, without offering any rewards or benefits in return. The bill pay system is also quite a nuisance, especially compared to the very easy online systems that most card issuers provide. The How to Rebuild Credit Program is pretty basic, and you can view it right here if you’d like.

Insider Tip: We’ve also had a number of complaints about the customer service of this card, with problems ranging from getting bad information to more serious problems with payments. If you’re considering this card, or using it already, be sure to ask for a manager or supervisor if you ever have issues with customer service.

We gave the Unity Visa Secured Credit Card 1 out of 5 Stars because it doesn’t provide a good value for the fees it requires. It uses an antiquated bill pay system, and by most accounts their customer service is very difficult to deal with. The website is also difficult to navigate, and the important information is not very easy to find. It’s normal for secured cards to be less valuable than the higher-end cards, because they’re made for lower credit scores, but this card has little to offer compared to the rest of the market.

Want to learn more or apply for this card? Just click the name below.

Not the card for you? To check out our picks for the best secured credit cards, see the Best Secured Credit Cards.

Was this review helpful to you? Go ahead and share it with a friend! And if you use the Unity Visa Secured Credit Card, click here to leave your own review, we’d love to hear from you!

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