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Last updated on December 24th, 2020
UNIFY Fixed-Rate Visa® Gold Credit Card
No Annual Fee and Low Introductory APR
- No annual fee
- No fees for balance transfers and cash advances
- Optional debt protection feature
- Take advantage of Visa® travel benefits
- Intro Purchase APR: 5.49% to 13.99% for 6 months from account opening date
- Regular Purchase APR: 9.49% to 17.99% variable based on creditworthiness
- Intro Balance Transfer APR: 5.49% to 13.99% for 12 months from balance transfer date
- Cash Advance APR: 9.49% to 17.99% variable based on creditworthiness
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
At a Glance
The UNIFY fixed-Rate Visa® Gold credit provides cardholders with some excellent benefits, including no annual fees and no fees for balance transfers, foreign transactions, and cash advances. This UNIFY credit card also offers a low introductory APR on purchases and balance transfers. Cardholders can also benefit from other perks, including Visa® travel and car rental benefits.
Ideal for Those Who:
- Don’t want to pay an annual fee
- Don’t want to pay foreign transaction fees or fees for balance transfers and cash advances
- Want a low introductory APR for balance transfers and purchases
- Need a higher credit limit than the UNIFY Classic Visa® card
UNIFY Fixed-Rate Visa® Gold Credit Card Review
The UNIFY fixed-rate Gold Visa® card is a credit card for who prefer the peace of mind of having the same interest rate on their credit card without worrying about any changes. One of the biggest draws of this credit card is its lack of fees. Additionally, cardholders are eligible to receive a lower introductory interest rate once they get approved for a new gold card.
Keep More of Your Money with No Fees
Cardholders never have to pay an annual fee when they’re carrying a UNIFY Visa® Gold credit card. Additionally, there are no fees associated with taking out a cash advance or transferring a balance from another credit card to the gold card. Traveling abroad can be stressful enough without having to worry about foreign transaction fees. Luckily, UNIFY gold cardholders can concentrate on enjoying their travels rather than how much their credit card will charge them for purchases made outside the United States. In short, UNIFY lets you keep more of your money by getting rid of fees that may be common with other credit card issuers.
Low Introductory APR
Cardholders will love the UNIFY fixed-rate card’s introductory interest rates, which are about 4 percentage points lower than the normal APR. For purchases, cardholders have six months from the date of opening an account to take advantage of these promotional rates. Afterwards, the regular interest rate applies to purchases made on this card.
If an applicant has a balance on a higher-interest credit card, then he or she may want to transfer that balance to the UNIFY Visa® Gold card and receive the same introductory APR. Cardholders have 12 months from the date of opening an account to make the balance transfer and pay off that transfer. After the 12-month introductory period, any remaining balance will revert to the regular interest rate.
The UNIFY Visa® Gold credit card has a $14,999 maximum credit limit, which is $10,000 more than the classic card but still considerably less than UNIFY’s platinum card. Applicants should be aware that these credit limits represent the maximum amounts that a cardholder can have on an account and are not a guarantee of one’s credit limit. An applicant may be approved for a lower credit limit based on his or her creditworthiness.
All UNIFY cards offer an overdraft protection feature that cardholders can opt into. This feature serves as a safeguard in case a cardholder is overdrawn on his or her checking account. Participation in this service enables UNIFY to transfer funds from the credit card account to the cardholder’s overdrawn checking account. Keep in mind that this overdraft protection functions as a cash advance. There are no fees for cash advances for this this credit card, but any cash advance does accrue the regular interest rate. Also be aware that a cardholder will need to have a checking account with UNIFY Financial Credit Union in order to take advantage of this benefit.
Gold cardholders can also benefit from several Visa® perks, such as a warranty manager service and auto rental collision damage waiver. Visa® also offers a couple of travel services, such as emergency assistance and travel accident insurance.
Should You Apply for the UNIFY Fixed-Rate Visa® Gold Credit Card?
The UNIFY Fixed-Rate Visa® Gold Credit Card is a standard credit card with an average maximum credit limit. This is an ideal card for many consumers who do not have to make very large purchases and therefore do not need large credit limits.
The biggest perk of this credit card is its lack of fees. Having no annual fee is attractive in its own right, but no fees on cash advances and foreign transactions makes this card particularly irresistible. The introductory APR offer is also appealing, particularly if you are wanting to transfer a balance from a high-interest credit card.
The fixed rate option is ideal for cardholders who always like to know what their APR is going to be. On average, APR rates are lower with UNIFY’s variable-rate cards, but there is no guarantee, and the difference is only a couple of percentage points.