Purchase APR
5.99%
Annual fee
None
Foreign fee
None
Secured620–719720+Cashback
Carrying $3k for a year ≈ $179.70
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56
United Bank Right Start Endeavor Card
Secured cardOne State/TerritoryVariable · PrimeNo credit scoreCredit score 619 or less
Purchase APR
21.49%
Annual fee
None
0% intro
None
0% transfer
21.49%
Foreign fee
None
Grace period
30 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered21.49%
Median21.49%
Highest offered21.49%
Balance transfer APR
Promotional window: ? months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered21.49%
Median21.49%
Highest offered21.49%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered19.49%
Median19.49%
Highest offered19.49%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Card Replacement Fee$10
Expedited Card Fee$50
Rewards, benefits and features
Rewards
- Travel-related rewards
- Other rewards
Services
- Automobile rental insurance
Features
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Gift cards, merchandise, pay with points, fuel points
Who can get this card
AvailabilityOne State/Territory
StatesGA
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
Geographic: The bank's assessment area and contiguous counties.
Phone770-567-7211
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$0
Promo interest at 21.49%$537.25
You save$62.75
Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 21.49% afterwards.
Cost to carry a balance
Interest for a year at 21.49%$644.70
Annual / periodic fees$0
Total yearly cost$644.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.
Cardholder agreements
1 document filed by United Bank in the 2026 Q1 archive.
More from this issuer
Purchase APR
11.49–19.49%
Annual fee
None
Foreign fee
None
620–719720+Travel-related
Carrying $3k for a year ≈ $464.70
Purchase APR
15.49–27.49%
Annual fee
None
Foreign fee
2%
No score≤619Cashback
Carrying $3k for a year ≈ $644.70
Purchase APR
12.74–24.24%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
SecuredTop-25 issuerNo score≤619Other
Carrying $3k for a year ≈ $659.70