Unity Visa® Secured from OneUnited Bank Review
Unity Visa® Secured from OneUnited Bank — all information about the credit card.
Updated September 08, 2022
Apply now
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
We recommend more cards
Secured Visa® Gold Preferred® Credit Card
Applied Bank®
$48
Annual Fee
9.99%
Regular APR
This card doesn't offer cash back, miles or points.
Apply now
On Applied Bank®‘s site
Merrick Bank Secured Credit Card
$36
Annual Fee
22.70%
Regular APR
This card doesn't offer cash back, miles or points.
Apply now
On Merrick Bank‘s site
Capital One Platinum Secured Credit Card
None
Annual Fee
29.99%
Regular APR
This card doesn't offer cash back, miles or points.
Learn more
on our partner’s site
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
- 9.95% The introductory rate is good for 6 months from the date your account is opened for all balance transfers
- 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
Pros & Cons
Pros:
- No Minimum Credit Score
- No Penalty APR
Cons:
- Annual Fee
- No Intro APR period
- Foreign Transaction Fee
Features
- Fraud Protection
- Purchase Protection
- Poor Credit
About the issuer
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
Compare with other cards
First Progress Platinum Prestige Mastercard® Secured Credit Card
Recommended credit score
No Credit History to Fair (0-669)
- $49Annual Fee
- 14.74%Regular APR
- 1%Cash Back rewards on payments.
- NonePurchase Intro APR
Apply now
On First Progress’s site
First Progress Platinum Select Mastercard® Secured Credit Card
Recommended credit score
No Credit History to Fair (0-669)
- $39Annual Fee
- 18.74%Regular APR
- 1%Cash Back on payments made to your First Progress Secured credit card account.
- NonePurchase Intro APR
Apply now
On First Progress’s site
Unsecured
Destiny® Mastercard®
First Electronic Bank
Recommended credit score
No Credit History to Fair (0-669)
- *see terms*Annual Fee
- 35.90%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR
Apply now
On First Electronic Bank‘s site
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.