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UNITY Visa® Secured Credit Card review

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Establish or rebuild your credit with this simple, low-annual-fee card.

  • Get this card if you have no credit history or a low credit score.
  • Pick something else if you want a card without an annual fee.
  • Apply with no credit history or with a poor credit score.


Annual fee


Purchase APR (fixed)


Intro balance transfer

for the first 6 months (then 17.99% fixed)


Balance transfer APR (fixed)


Product NameUNITY Visa® Secured Credit Card
Card typeVisa
Annual fee$39
Purchase APR17.99% fixed
Balance transfer APR9.95% intro for the first 6 months (then 17.99% fixed)
Balance transfer fee$10 or 3% of the transaction, whichever is greater
Cash advance rate17.99% fixed
Cash advance fee$10 or 3% of the cash advance amount, whichever is greater
Foreign transaction fee2% of the transaction value
Interest free periodUp to 25 days
Late payment feeUp to $10
Returned payment feeUp to $25
Additional cardholder fee$10

Expert review

Megan Horner

Review by

Megan Horner is the credit cards publisher at She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Previously, she edited and published educational articles on credit cards as an assigning editor at Credit Karma.

Expert review

The UNITY Visa® Secured Credit Card is a simple, no-nonsense secured card that is a good pick for those with poor or no credit. It comes with a 17.99% fixed APR, a 9.95% intro balance transfer APR and reports to all three major credit bureaus.

The card comes with lower fees when compared to other secured cards, including lower fees for foreign transactions, late and returned payments. Plus, you get an intro APR period on balance transfers. Compared to other secured cards, it also comes with a high maximum credit line, though you, of course, can adjust this based on your desired deposit.

Given the card’s quick and straightforward application process, flexible max credit line and lack of minimum credit score, the UNITY Visa® Secured Credit Card is a great secured card if you want to scale your spending as you improve your credit score.

Another secured credit card

Citi® Secured Mastercard®

  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.
  • The standard variable APR for Citi Flex Plan is 22.49%. Citi Flex Plan offers are made available at Citi's discretion.
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The perks

  • Build your credit.

    The card reports to all three major credit bureaus — TransUnion, Experian and Equifax. With responsible use, you’ll build your credit and eventually be able to apply for a better, unsecured card.

  • No minimum credit score to apply.

    You can apply with a credit score of 300 or with no credit history at all.

  • High credit line.

    Your credit line is determined by the amount you deposit. For this card, you can deposit from $250 up to $10,000. Most secured cards offer a maximum credit line of up to $3,000 or $5,000.

You’ll also like …

  • Quick application process.

    The application is quick, easy and online. Plus, there’s no application fee.

  • Intro APR on balance transfers.

    Get a 9.95% intro APR period on balance transfers for 6 months following your account opening. After that, a fixed APR of 17.99% applies. Most secured cards have no balance transfer option.

  • Secure.

    Your security deposit is FDIC insured.

  • Visa card.

    Enjoy the freedom of a secured card that’s accepted worldwide.

What to watch out for

  • Annual fee.

    You’ll have to pay an annual fee of $39 to own the card.

  • Foreign transaction fee.

    For each transaction you make when traveling abroad, you’ll incur a fee of 2% of the transaction. Most secured cards have a foreign transaction fee of 3%.

  • Other fees.

    For late payments, you’ll pay a $10 fee and for returned payments a $25 fee.

  • Loss of intro APR on balance transfers.

    If you’re more than 60 days late paying your bill, you may lose your intro APR period on balance transfers.

Apply now

Compare secured cards

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
Citi® Secured Mastercard®
Starting at $200
22.49% variable
A no annual fee secured card for people who are new to credit or have limited credit history with a fair to average credit score.
OpenSky® Secured Visa® Credit Card
Starting at $200
18.89% variable
A secured Visa® credit card that helps you build your credit quickly.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Starting at $200
9.99% fixed
No credit check is required for this secured card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases.
CardMatch™ from
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
First Progress Platinum Elite MasterCard® Secured Credit Card
Starting at $200
19.99% variable
Build your credit with all three major credit bureaus.

Compare up to 4 providers

What should I know before I apply?

Apply for the card if you’re at least 18 years old and you’re a permanent resident of the US.

To fill out the application form, you’ll need the following information:

  • Full name and contact information.
  • Amount of your deposit and deposit information.
  • Social Security number and date of birth.
  • Employment status and financial information.

What credit score do I need?

You can apply with no credit history or with a low credit score. If you have a bankruptcy that isn’t discharged, you can’t apply for the card.

What do customers say about the UNITY Visa® Secured Credit Card?

Many customers complain about poor customer support. Some claim they can’t make online payments through the card’s website and because of that, they have numerous late payments.

Others claim they have no problem making on-time payments with their bank’s bill pay service. The bank has the additional option to use Speedpay by Western Union.

The Better Business Bureau (BBB) has not yet reviewed OneUnited Bank, but it rated them F. This rating is mostly because of the bank has not responded to or resolved user complaints on the BBB website.

How to apply for the UNITY Visa® Secured Credit Card

  1. Click apply now.
  2. Enter your personal information and deposit information. Your deposit will equal your credit limit, and is between $250 and $10,000.
  3. Review your application and submit it.

How long will it take to get my UNITY Visa® Secured Credit Card?

OneUnited Bank usually makes a decision in a few minutes. If additional information is required, you’ll be notified.

Upon approval, your card should arrive within seven to 10 business days.

I got the card, now what?

  • Download the OneUnited Bank Mobile Banking app. With the app, you can transfer money, pay bills, find ATMs or branches near you and more.
  • Avoid interest. Pay your balance in full each month. If you make payments in increments, make at least the minimum payment by the due date each month. The payment due date will be on the same day every month.
  • Graduate to an unsecured card. You won’t get a direct path to an unsecured card. However, once you start making timely payments you’ll raise your credit score. You can then apply for an unsecured card.
  • Customer service. You can reach customer support by filling out an online form or by calling 877-663-8648.

Bottom line

If you’re looking for a credit card that can help you rebuild and strengthen your credit, the UNITY Visa® Secured Credit Card could be a helpful solution. You’ll get to have low fees when compared to other secured cards and you’ll get an intro APR period on balance transfers. Use this card responsibly and pay your balance in full each month to build your credit and qualify for an unsecured credit card.

Before choosing a card, be sure to compare it with other secured cards to choose the right one for building your credit.

Apply now

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  1. Default Gravatar
    November 25, 2018

    I have bad credit and want a credit card and need a personal loan but keep getting denied.

    • Avatarfinder Customer Care
      November 25, 2018

      Hi Robinson,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Sorry to hear about your situation. What you can do is first determine the reason why you are getting denied. In your case, it seems having a bad credit is the culprit. For this reason, you might want to read our guide on how to improve your credit score before appling again for a credit card.

      Moreover, we have a list of credit cards that are designed for people who have a bad credit score. Please go here. On that page, you will learn how to get approved for a credit card even if you have a bad credit score. On the same page, you will see a table that allows you to conveniently compare credit cards. Once you found the right one for you, click on the “Go to site” green button to learn more or initiate your application.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


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