UNIFY Variable-Rate Visa® Classic Credit Card
- Annual fee
- None
- Recommended credit
- Good / Fair
- Card network
- Visa
- Regular purchase APR
- 14.74% 17.99% variable based on creditworthiness and the Prime Rate
At a glance
The UNIFY Variable-Rate Visa Classic Credit Card is a great basic credit card for people who may be new too credit but do not want or need a secured card. UNIFY Financial Credit Union offers very competitive variable rates on its credit cards. Additionally, cardholders benefit from no annual fees and no fees on cash advances and balance transfers.
Our review of the UNIFY Variable-Rate Visa® Classic Credit Card
The UNIFY Variable-Rate Visa Classic credit card is a great option for young professionals looking to build credit without the constraints of a secured card. With competitive low APR rates and no annual fees, this card offers flexibility and savings for consumers. Plus, with no fees for cash advances, balance transfers, and foreign transactions, you can keep more of your money in your pocket.
Keep More of Your Money with No Fees
UNIFY never charges annual fees for their credit cards, including the Visa Classic variable-rate card. Additionally, there are no fees for balance transfers or cash advances, setting this card apart from others in the market. And for international travelers, there are no foreign transaction fees, making it a convenient option for those on the go.
Low Variable Interest Rates
The UNIFY Variable-Rate Visa Classic card offers lower APR rates compared to their fixed-rate cards, making it a cost-effective choice for cardholders. While the interest rates can fluctuate based on the Prime Rate, this card provides a solid option for those looking to save on interest charges.
How Much Credit Will You Get?
With a maximum credit limit of $4,999, the UNIFY Classic card is ideal for those looking to build credit responsibly. Your actual credit limit will depend on your creditworthiness, but this card provides a solid foundation for establishing a positive credit history.
Additional Cardholder Perks
In addition to its low fees and competitive rates, the UNIFY Variable-Rate Visa Classic card offers optional overdraft protection and a debt protection program. Cardholders can also take advantage of Visa’s auto rental collision damage waiver, adding an extra layer of insurance when renting a car.
Should You Apply for the UNIFY Variable-Rate Visa Classic Credit Card?
Overall, the UNIFY Variable-Rate Visa Classic credit card is a solid choice for consumers looking to build credit and save on fees. With its low credit limit and competitive rates, this card offers a great option for those seeking financial flexibility. Consider applying for this card if you want to establish credit without the constraints of a secured card.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- No fees on balance transfers and cash advances
- No foreign transaction fees
- Low variable rates
Who this card may suit
- You want a basic credit card with a lower credit limit
- You prefer a lower interest rate that varies rather than a higher rate that stays the same
- You don’t want to pay annual fees
- You don’t want to pay fees for cash advances and foreign transactions
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 14.74% 17.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 14.74% 17.99% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 14.74% 17.99% variable based on creditworthiness and the Prime Rate |
| Late Payment Penalty Fee | Up to $25 |
| Return Payment Penalty Fee | Up to $25 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
Apply Now for UNIFY Variable-Rate Visa® Classic Credit Card (opens in a new tab)View issuer terms for UNIFY Variable-Rate Visa® Classic Credit Card (opens in a new tab)
UNIFY Variable-Rate Visa® Classic Credit Card
Apply Now for UNIFY Variable-Rate Visa® Classic Credit Card (opens in a new tab)You will leave this site for the issuer’s page. Confirm current terms there.
Similar cards
Grow Credit Mastercard
- Grow Credit reports customer activity to the three major credit bureaus each month – which can help you establish…
- Choose from over 100 available subscription services to pay with Grow Credit
- Annual fee
- None
- Recommended credit
- No Credit Required
- Purchase APR
- 0.00%
UNIFY Variable-Rate Visa® Gold Credit Card
- No balance transfer or cash advance fees
- Optional Debt Protection
- Annual fee
- None
- Recommended credit
- Good / Fair
- Purchase APR
- 14.49% to 17.99% variable based on creditworthiness and the Prime Rate
PEFCU Visa Card
- No balance transfer fees
- Visa Platinum benefits
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Purchase APR
- 9.90%, 10.50%, or 10.90%