- Limited Time Offer: New cardmembers get a $25 rebate* - To be eligible, applications must be submitted between now through 12/31/16 and accounts must be in good standing for 90 days after opening.
- Apply online in less than 5 minutes, and you could be approved today!
- No Minimum Credit Score required; low interest rate of 17.99%
Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
- No application fee or penalty rate
- Build your credit with monthly reporting to all 3 major credit bureaus
- 24/7 online access to your account
- *See the Cardholder Agreement for more details.
4.0 / 5.0 (22 votes)
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Information - Rates - Fees

Intro APR:
9.95%*
Applied Towards:
Balance Transfer
Intro Period:
6 months on BT*
APR:
17.99%*
APR Type:
fixed
Annual Fee:
$39*
Issuer:
Card Network:
Card Category:
Consumer (Secured)
Card Type:
Card for Bad Credit
Guaranteed Approval
Credit Needed:
Bad Credit OK*
Grace Period:
25 days*
Min Finance Charge:
$1.00
Min Credit Line:
$250
Max Credit Line:
$10,000
Late Payment Fee:
See Terms*
Over Limit Fee:
$0.00

Balance Transfers

Balance Transfer:
Yes
Transfer Fee (%):
3.00%
Minimum Fee:
$10.00

Cash Advances

APR on Cash Advances (%):
17.99%
Cash Advance Fee (%):
3.00%
Minimum Fee:
$10.00

Other Fees

Additional Fees
Foreign Fees: 2% of each transaction in U.S. dollars
Late Payment: Up to $10.00
Returned Payment: Up to $25.00
Customer Service by Phone: None
Expedited Card Delivery: $35.00
Credit Limit Increase: $10.00
Replacement/ Additional Card: $10.00
Stop Payment: $25.00
Payment Assistance by Phone: $1.00

Review by

Many American consumers are paying attention to the long term repercussions associated with their financial decisions. With most of us looking for ways to stretch our budgets, finding the right secured credit card can be challenging. Until now. The UNITY Visa - The Comeback Card is designed to offer everything we feel is important. It addresses our need for lower fees, better interest rates and safety. The deposit that secures your account is placed in an FDIC secured account, so your investment is safe and the fee structures are highly competitive. The convenience this secured card offers is impressive. With mobile apps and online account management, you can budget your finances in one convenient place. For some time, the trends have revealed more are looking towards long term financial goals and how their choices today might affect their budgets tomorrow. It's little wonder then that many are looking for "full service" credit products. That full service option is here.

This secured Visa offers a host of benefits. Along with the complimentary mobile and online management, bill pay and balance alerts, customers can also take advantage of Purchase Rewards. This is a great program that allows you to earn cash back or even statement credits. You get the security that the Visa name represents, lower fee structures and of course, you're in control. Meeting your financial objectives has never been easier.

Features

Most attractive:
- High Secured credit line
- Credit reporting
- Intro rates for Balance Transfers
Least attractive:
- No rewards program

Benefits

Other Benefits:
*See Terms and Conditions of the card for other benefits
Online Access:
Yes!
100% Guarantee Approval:
Yes!
Credit Reporting:
Yes

The information provided for UNITY® Visa - The Comeback Card™ is believed to be accurate at the time of evaluation (Dec 30, 2016). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.