USES

Unity Visa® Secured from OneUnited Bank Review

Unity Visa® Secured from OneUnited Bank — all information about the credit card.

Updated September 08, 2022
Advertiser Disclosure Our Methodology
OneUnited Bank Unity Visa® Secured
Apply now
Our Rating:
2.31 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $39 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    17.99% Fixed
  • Balance Transfer APR:
    9.95% The introductory rate is good for 6 months from the date your account is opened for all balance transfers
    17.99% Fixed
Show more

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Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 17.99% Fixed
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 9.95% The introductory rate is good for 6 months from the date your account is opened for all balance transfers
      17.99% Fixed
  • APR for Cash Advances
    • 17.99% Fixed
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after close of each billing cycle. You will not be charged interest on purchases if you pay the entire balance by the due date each month.

Fees

  • Annual Fee
    • $39 annually
  • Fees for Balance Transfer
    • Either $10 or 3% of the amount of each transfer, whichever is greater (maximum fee: $150)
  • Fees for Cash Advances
    • Either $10 or 3% of the amount of each transfer, whichever is greater (maximum fee: $150)
  • Return Payment
    • Up to $37
  • Late Payment
    • Up to $10
View all Rates & Fees

Pros & Cons

Pros:
  • No Minimum Credit Score
  • No Penalty APR
Cons:
  • Annual Fee
  • No Intro APR period
  • Foreign Transaction Fee

Features

Classic
Visa
  • Fraud Protection
  • Purchase Protection
  • Poor Credit

About the issuer

OneUnited Bank
OneUnited Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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Recommended credit score
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    Annual Fee
  • 19.24%
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  • 1%
    Cash Back rewards on payments made to your First Latitude Secured credit card account.
  • None
    Purchase Intro APR
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Recommended credit score
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First Progress Platinum Select Mastercard® Secured Synovus Bank
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Recommended credit score
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OneUnited Bank Unity Visa® Secured is an option for those, who need Classic features. With an APR of 17.99% and $39 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have No Credit History to Poor (0-579) credit score. With OneUnited Bank Unity Visa® Secured you will get such features as Fraud Protection, Purchase Protection, Poor Credit, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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