Card Details

Regular APR:	17.99% (Variable)
Intro APR (Purchases):	9.95% for 6 months
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(0 – 300) Bad/Limited/Fair
Annual Fee:	$39
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
More than just another credit card
With the UNITY Visa Secured Card you get reporting to the 3 major credit bureaus, the How to Rebuild Credit Program, and so much more
Maybe you want to buy a house, or a car in the future. Using the UNITY Visa Secured Card can help strengthen your credit history, bringing your dreams closer to reality

Is Unity Visa? Secured Credit Card worth it?

Unity Visa Secured is a solid card for people looking to build credit. A secured card can help you build your credit and even allow you to rent a car from some car rental companies.

Unfortunately, consumers have reported that applying and making payments with OneUnited Bank, the issuer of Unity, is very slow. While you get a lower APR than secured cards from Citi, Discover, and Capital One, if you’re interested in making fast, seamless online payments, Unity Visa Secured is not the card for you.

If you’ve been denied applying for credit cards from other banks and are willing to send your payments in very early, Unity Visa? Secured is worth applying for and will help you build credit.

Pros

Build your credit
Monthly reporting to all three major credit bureaus
$250 minimum security deposit is on the low end for secured cards

Cons

$39 fee

Why 4 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $10 or 3% of the amount of each transfer, whichever is greater (maximum fee: $150)
Cash Advance Fee	Either $10 or 3% of the amount of each transfer, whichever is greater (maximum fee: $150)
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Unity Visa Secured Credit Card

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.