Card Review & Application


out of 5

- New feature! Earn up to 10% cash back* on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- *See Rewards Terms and Conditions for more information

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 25.64% (variable)*
Annual Fee: $35*
Card Issuer: Other Issuers
Card Network: VISA®
Card Category: Consumer (Secured)
Card Type: - Building Credit
- Card for Bad Credit
- Damaged Credit
- Guaranteed Approval
- No Credit Check
- Reward Card
Credit Needed: No Credit*

OpenSky® Secured Visa® is the ideal secured credit card with which to improve a below average credit rating over time. Prospective cardholders can get one of these with little ease provided they are able to make a security deposit.

This deposit is returned to the cardholder in event the account is closed with any owed charges deducted. The card is advertised as a low cost secured card providing a means to an end for individuals in serious need of credit.

Cardholders deposit anywhere from $200 to $3,000 into an FDIC insured account held by the cards' issuer. Cardholders choose their credit limit by depositing how much credit they'd like to receive into the secured account.

A midterm introductory APR period applies towards purchases. Cardholders do not incur any interest throughout this period. After the intro period, purchase APR remains variable and highly competitive. Balance transfers are not permitted. Cash advances attract a 3.50% transaction fee.

Cardholders do not incur an annual or monthly maintenance fee.

Cardholders receive added benefits including emergency card replacement, auto collision damage and more from Visa. Zero fraud liability covers all online purchase transactions. In event an unauthorized transaction occurs the cardholder receives full reimbursement.

Free online account access gives round the clock unrestricted access to available balance and transactions conducted throughout previous billing cycles. A friendly customer service lays on hand to assist cardholders with card related problems.

OpenSky® Secured Visa® Card is a beneficial secured credit card for consumers who'd like to build credit over time. Since unsecured credit isn't always available to individuals having bad credit, this secured credit card gives its members another chance by enabling them build a solid history or rebuild credit over a period of time.

Prospective cardholders are required to make a security deposit into an FDIC insured account with card issuing Bank.

Credit reporting applies to all 3 major credit bureaus.

We advise you read and understand the cards' terms and conditions before applying.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Rewards: - Up to 10% cash back* on everyday purchases
Other Benefits: - Choose your credit limit-up to $3000
- $0 fraud liability
- Report to all 3 major credit bureaus
- Friendly Customer Service
- Fee 24-hour online account access
- Auto collision damage
- Emergency card replacement
Comments: *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Credit Reporting: Yes
Online Account Access: Yes
100% Guarantee Approval: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 25.64% (variable)*
Annual Fee: $35*
Grace Period: 25 days*
Min Finance Charge: $1.00
Min Credit Line: $200
Max Credit Line: $3,000
Late Payment Fee: Up to $40*
Over Limit Fee: $20.00
Balance Transfer: No
APR Cash Advances: 25.64%
Cash Advance Fee: 5.00%
Minimum Fee: $6.00
Additional Fees Returned Payment Fee: $25.00
Penalty APR: none
Foreign Transaction Fee: 3% of each transaction in U.S. dollars
Cash Advance: Either $6 or 5% of the amount of each cash advance, whichever is greater
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* The information provided for OpenSky® Secured Visa® is believed to be accurate at the time of evaluation (Mar 27, 2024). We strongly advise visitors to review the terms and conditions to verify accuracy of the information and fees posted prior to applying for the product.

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