UNITY® Visa Secured Credit Card: Rebuild Credit With No Credit Check

No credit score required. With a UNITY® Visa, a secured credit card, you can make a comeback!

Qualifications apply. See our rates and disclosures.

Unity Visa Secured Card

Apply for UNITY® Visa Card

As mentioned in the following media outlets: 

How a Secured Credit Card Helps Rebuild Your Score

A secured card is designed to repair damaged credit or start from scratch.Since approval relies on a deposit rather than a high credit score, it provides immediate access to the credit so you can start proving your creditworthiness.

  • Payment History Impact: Consistently paying your balance on time directly addresses the largest factor in your FICO® score calculations.
    • Late payments and going over the credit limit may damage your credit history.
  • Credit Utilization Control: By managing your spending against your deposit limit, you can easily keep your credit utilization low, which signals safe borrowing habits to lenders.
  • A Strategic Stepping Stone: It acts as a controlled training ground to replace past financial challenges with a fresh, positive footprint.
Person holding a smartphone and credit card near a laptop, with digital graphics of credit score meters labeled "Good" overlaid in the image.
A black and gold UNITY Visa card is shown next to a smartphone and smartwatch displaying the digital version of the same card in Apple Wallet.

UNITY® Visa Card Security Deposit & Refund Policies

Your security deposit is a tool, not a fee. The funds you deposit act as collateral to back your credit line, remaining fully yours throughout your credit-building journey.

  • 1:1 Credit Limit Matching: The refundable cash deposit you provide directly determines your purchasing power (for example, a $300 deposit equals a $300 credit limit).
  • Fully Refundable Collateral: Your money is securely held and remains completely intact. It is returned to you in full when you close your account in good standing with a zero balance.
  • Graduation Pathways: Maintaining an excellent payment history positions you to transition to traditional credit, unlocking your refund while keeping your account active.

Reports to All Three Major Credit Bureaus Daily

Building a stronger financial future requires visibility. Every transaction and on-time payment you make goes to work instantly, ensuring your hard work is recognized across the entire credit industry.

  • Universal Credit Coverage: Your account activity is automatically reported to Equifax, Experian, and TransUnion simultaneously.
  • Accelerated Score Tracking: Frequent updates mean your positive credit habits and reduced balances reflect on your credit file with minimal delay.
  • Better Future Approvals: Creating a consistent, multi-bureau record establishes the reliable credit profile needed to secure auto loans, mortgages, and unsecured cards down the road.
A credit score gauge points to the green section near 850, with icons for score, report, monitoring, and savings below, and a button labeled "Show my Score.

Explore our checking and savings options.

Cash icon

Checking Accounts

Get the Card with no monthly fee, early pay and more.

Save interest icon

Savings Accounts & CDs

Earn interest, save your change, and get personalized AI-driven insights about the best way to grow your savings.

How UNITY® Visa Works

A black credit card with a gold chip and two interlocking gold rings on the right side.

Get the Card

Apply easily online for the UNITY® Visa—a premier secured credit card with no minimum credit score required to get started. Qualifications apply; please review our standard rates and disclosures. Begin your personal journey to financial wellness today.

With UNITY® Visa you get:

  • A reliable, widely accepted Visa credit card
  • An FDIC-insured security deposit for peace of mind
3D wallet icon

Fund the Security Deposit

Your refundable security deposit directly determines your final credit limit. This credit line is safely established based on your verified monthly income and overall ability to pay. Please note that our standard annual fee will temporarily reduce your initial available credit.

  • Deposit amount directly sets your credit limit
  • Annual fee applies and impacts starting credit
A black shield with a gold upward arrow symbol in the center, representing growth and security.

Build Credit While You Shop

Your bill arrives monthly, and we report your active history to the three major credit bureaus to help you build credit while you shop. Please note that your security deposit cannot be used to cover monthly statements. See disclosures for more details.

  • Monthly reporting to all three major bureaus
  • No minimum credit history required to qualify

Financial Education Modules

Build Better Credit

Credit Cards

Credit Scores and Reports

Why You Should Pay More Than the Minimum Balance on Your Credit Card

It takes 5-minutes to start elevating your finances

See exactly where you’re spending money and how you can improve. It’s Essential!

Get the card today