OneUnited Bank Credit Cards

OneUnited Bank is the largest black-owned bank in the United States. The bank aims to empower its members to boost their financial education through community programs and financial products, including their Unity Visa Secured Card. Browse credit cards offers below.

Advertiser Disclosure Editorial Disclosure

Showing 1 Cards

Sort By Column Name:

Unity Visa Secured Credit Card

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
Best Benefits
  • 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
Rates & Fees
  • 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
Credit Card Deals
card
Every 4th Night Free + Premium Benefits in Miami Mr C. Miami - Coconut Grove Offer Expires on Sep 09, 2021 See Details
card
Get 30% Off state & federal consumer tax filing with TaxAct TaxAct Offer Expires on Oct 10, 2021 See Details
card
Special Offer from Daily Burn: 30 Days FREE + 50% Off Your First Month Daily Burn INC Offer Expires on Jan 01, 2022 See Details
card
Enjoy 20% off sitewide at Welry.com Welry Offer Expires on Jan 01, 2022 See Details
card
Save $30 + Free Shipping on Purchases over $120 GlassesUSA.com Offer Expires on Dec 12, 2021 See Details
card
Employee pricing with everyday savings up to 35% HP Offer Expires on May 05, 2022 See Details
card
$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
card
Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
card
Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
card
Save $75 off 3 orders of Nom Nom fresh food Nom Nom Offer Expires on Jan 01, 2022 See Details

What 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

Indigo® Platinum Mastercard®
  • 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
Best Benefits
  • 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
Rates & Fees
  • 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
Credit Card Deals
card
Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
card
Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
card
Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
card
Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details

Read the Milestone® Gold Mastercard® Review

Milestone® Gold Mastercard®

No Credit Score Impact When You Apply

Milestone® Gold Mastercard®
  • Regular Purchase APR 24.9%
  • Cash Advance APR 29.9%
  • Annual Fee $35 to $99
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • Extended warranty protection
  • Fraud liability
  • Price protection
  • Reports to major credit bureaus
Rates & Fees
  • 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
Credit Card Deals
card
Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
card
Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
card
Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
card
Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details

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.