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Date Reviewed: January 03, 2020
Unity Visa Secured Credit Card
- Regular Purchase APR 17.99% fixed rate through the expiration date of the card.
- Balance Transfer APR 17.99% fixed rate through the expiration date of the card.
- Cash Advance APR 17.99% fixed rate through the expiration date of the card.
- Annual Fee $39
- Credit Needed Poor , No Credit Required
- Processing Network Visa
- Get a second chance at credit
- Support the nation's largest back-owned bank
- 9.95% intro APR on balance transfers for the first 6 months
- Regular Purchase APR: 17.99% fixed rate through the expiration date of the card.
- Intro Balance Transfer APR: 9.95% for 6 months from account opening date
- Balance Transfer APR: 17.99% fixed rate through the expiration date of the card.
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 17.99% fixed rate through the expiration date of the card.
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Annual Fee: $39
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $10
- Return Payment Penalty Fee: Up to $37
- Minimum Deposit Required: $250
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1What Is OneUnited Bank?
OneUnited Bank is a community-oriented bank that prides itself on being the largest black-owned bank in the country. The bank began as Unity Bank & Trust in Boston, Massachusetts. Since then, the combining of other prominent black-owned banks across the country has resulted in the OneUnited Bank brand in its current form. These partner banks include Founders National Bank of Commerce in Los Angeles, Family Savings Bank in Los Angeles, CA, Peoples National Bank of Commerce in Miami, FL, and Boston Bank of Commerce.
As the largest black-owned bank in America, OneUnited’s #BankBlack social media campaign is at the heart of their message, seeking to demonstrate the economic buying power of minority groups.
Of course, the #BankBlack campaign doesn’t mean that OneUnited Bank is only open to African Americans. The bank is an all-inclusive collective seeking to help build up underprovided or underrepresented communities across the country, regardless of race or creed.
What Makes OneUnited Bank Different?
OneUnited Bank prides itself on working tirelessly to strengthen the financial knowledge base of impoverished and disadvantaged communities. The bank is the largest black-owned bank in the United States and is the combination of four separate banks from Miami, Boston, and Los Angeles.
The bank is very active with its Community Development Financial Institution (CDFI) Program, which provides educational services to “underbanked” and lower-income communities across the country. These programs seek to boost financial literacy through a combination of local events and workshops.
OneUnited Credit Cards
OneUnited currently only offers one credit card, the Unity Visa Secured. While the secured card is an excellent way to rebuild credit, for those wanting an unsecured credit card, there are many other offers available from different lenders.
Read the Indigo® Platinum Mastercard® Review
Indigo® Platinum Mastercard®
Choose Your Own Card Design
- Regular Purchase APR 24.9%
- Cash Advance APR 29.9%
- Annual Fee $0 to $99 depending on the card issued
- Credit Needed Poor
- Processing Network Mastercard
- Great for demonstrating responsible use of credit
- Short and easy-to-complete pre-qualification form
- 24/7 mobile account access
- Choose your card design free of charge
- Regular Purchase APR: 24.9%
- Cash Advance APR: 29.9%
- Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction
- Penalty APR: 29.9%
- Annual Fee: $0 to $99 depending on the card issued
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- Over Limit Penalty Fee: Up to $40
Read the Milestone® Gold Mastercard® Review
Milestone® Gold Mastercard®
No Credit Score Impact When You Apply
- Regular Purchase APR 24.9%
- Cash Advance APR 29.9%
- Annual Fee $35 to $99
- Credit Needed Poor
- Processing Network Mastercard
- Choose your custom card design
- Free 24/7 online account access
- Quick pre-qualification with no impact to credit score
- Mastercard® Gold Benefits
- Regular Purchase APR: 24.9%
- Cash Advance APR: 29.9%
- Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction
- Penalty APR: 29.9%
- Annual Fee: $35 to $99
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- Over Limit Penalty Fee: Up to $40
The Indigo Mastercard and Milestone Gold are popular options for rebuilding credit. Both cards feature a higher APR than the Unity Visa Secured, but with a variable annual fee. Those with better credit scores can pay no annual fee, while those with poor credit may pay significantly more than the OneUnited Card. These cards benefit from no deposit required. No deposit means your credit line isn’t tied to a cash security deposit. Instead, the credit line is unsecured – and may increase with responsible use.
