Are you shopping around for a new credit card? Well listen up, because the Unity Credit Card offers some seriously neat perks. From cash back rewards to account management features and beyond, Unity aims to provide premium benefits to cardholders.
But is it all too good to be true? Let’s dig deeper to see if the Unity Card’s bark matches its bite. By the end, you’ll understand exactly what makes this card stand out and whether it’s a good fit. Sound good? Read to end of the post to find more.
An Overview of the Unity Credit Card
The Unity Visa Credit Card sets itself apart through robust rewards on daily purchases, flexible redemption options, and an intuitive mobile app for seamless account management. Issued by the First Digital Bank, it also touts solid credit limits for those who qualify.
But the real star of the show is Unity’s “Perfect Fit” rewards program. Offering uncapped 3% cash back across categories like:
- Dining
- Entertainment
- Travel
- Rideshares
- Streaming Services
It aims to maximize rewards for modern consumer spending habits. Redemptions come in the form of statement credits, gift cards, and more.
Other Unity card perks include complimentary roadside assistance, discounted subscriptions after 12 monthly payments, and up to $600 in annual cell phone protection when you pay your bill with the card.
Let’s take a closer look at some of the core benefits and features.
How to Apply for a Unity Credit Card
To qualify for the Unity Card, you’ll need good to excellent credit (scores around 700+). Other requirements include:
- Minimum age of 21 years old
- Total annual income of at least $40,000
- US-based checking or savings account
If approved, you can expect initial credit limits between $3,000 to $20,000 based on your creditworthiness.
To get started, head to Unity’s online application page and provide some basic personal and financial information. Application decisions are usually provided within 60 seconds.
Once approved, your new card ships for free in 5-7 business days. Activate it using the included instructions upon arrival.
Tips to Managing Your Unity Credit Card Account
Unity prioritizes mobile account management through an intuitive app packed with features:
Key Capabilities:
- Review real-time balances and statements
- Set spending alerts and limits
- Pay your bill or view recent payments
- Activate rewards points and track redemptions
- Manage card and contact info
You can also access similar web-based management through their online member portal.
Between the app and online tools, Unity cardholders enjoy complete control over their account.
How the Unity Rewards Program Works
Now, onto the star of the show—Unity’s Perfect Fit rewards system! You’ll earn an unlimited 3% cash back on purchases across the following categories:
- Restaurants
- Entertainment (movies, concerts, etc)
- Travel (flights, hotels, taxis)
- Rideshares
- Music/video streaming
All other purchases get a flat 1% cash back, with no caps on total earnings.
You can redeem rewards anytime as statement credits or gift cards to major retailers. Higher redemption values also open up for travel booked through Unity.
On top of category bonuses, Unity runs quarterly “Boosted Offerings” where you can activate 5% cash back for specific merchants, up to a $100 max bonus per offer.
Additional Unity Credit Card Perks
Alongside its rewards system, the Unity Card packs some nice additional features:
- Cell Phone Protection
When you pay your monthly cell bill with your Unity Card, you’ll receive up to $600 per year in coverage for damage, theft, or other losses to your mobile device. The $50 deductible is a bargain compared to pricey phone insurance.
- Buyer Price Protection
For purchases over $100, Unity provides 90 days of price drop coverage. If the item goes on sale elsewhere for less, you’ll receive reimbursement for the price difference. This perk alone can save you a small fortune on high-ticket tech and appliances.
- Discount Subscriptions
After you make 12 consecutive monthly subscription charges to the Unity Card, you’ll unlock exclusive discounts for that service going forward. Estimated average savings fall around 15-20%.
From Netflix to Spotify to BarkBox and more, cutting subscription costs makes it even easier to maximize value from your everyday spending.
Costs Associated with the Unity Card
Of course, no credit card would be complete without the fine print on pricing. Let’s break down the standard fees:
- Annual Fee: $0 (the Unity card is completely free)
- APR: 15.99% – 26.99% variable
- Foreign Transaction Fees: None
- Balance Transfer Fee: Either $5 or 5% of the amount transferred, whichever is greater
- Cash Advance Fee: $10 or 5% of the advance
- Late Payment Fee: Up to $40
As far as credit cards go, reasonable APR ranges combined with no annual fee or foreign transaction charges make Unity a cost-effective option. Just be sure to pay your full balance on time each month.
What is the Limit on a Unity Bank Visa Card?
The credit limit on the Unity Visa Card varies depending on your creditworthiness and income, but tends to fall between $2,000 and $20,000 for new cardholders.
With responsible use over time, many users report getting automatic periodic increases to their limits from Unity Bank, sometimes significantly higher.
The best way to find out what kind of initial limit you may qualify for is to go ahead and submit an application. Even without an official hard credit check, Unity will provide an instant decision with your pre-approved limit amount.
How Do I Pay My Unity Visa?
Paying your Unity Credit Card bill is easy through multiple methods:
By Phone
Call the number on the back of your card to make automated payments or speak to a support rep.
Send checks or money orders made out to Unity Bank to the payment address listed on your monthly statement. Include your account number.
Online
Log in to your Unity account portal to pay your bill via electronic bank transfer or debit card, with no processing fees.
You can also set up autopay directly from a checking account to have payments sent automatically each billing cycle.
Does Unity Bank Have Mastercard?
At this time, all Unity consumer credit cards are Visa cards. The bank has chosen to solely partner with Visa in issuing their lineup of credit card products.
That said, Visa and Mastercard offer very similar acceptance, with Mastercard acceptance estimated at a tiny bit below Visa. You’ll still enjoy worldwide usage with a Unity Visa at over 200 million merchants in over 200 countries.
Conclusion
At the end of the day, the Unity Credit Card stands out with an impressively crafted rewards system catered toward maximizing modern consumer spending. Between dining, travel, entertainment, subscriptions and more, the unlimited 3% cash back really adds up.
While it doesn’t quite match category multipliers from other competitors like dining and travel cards, Unity’s broad coverage across areas people frequent makes the math work heavily in your favor.
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