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OpenSky® Secured Visa® Credit Card

Creditcards.org's Expert Rating- click here to view rating methodology.
5
Intro APR Purchase
N/A
Apply Now Credit Needed No credit check

Intro APR Balance Transfer

N/A

Regular APR

22.64% (variable)

Annual Fee

$35
Pros
  • No credit check
  • No application fees
  • Accepted everywhere you see a Visa® logo
Cons
  • Has an annual fee

Card Highlights

  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
  • Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
  • 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
  • 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
  • Join over 1.2 million cardholders who’ve used OpenSky to build their credit

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