OpenSky® Secured Visa® Credit Card
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Creditcards.org's Expert Rating- click here to view rating methodology.
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5 |
N/A
Intro APR Balance Transfer
N/ARegular APR
22.39% (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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