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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

18.99% (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 and find out instantly if you are approved
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • * View the cardholder agreement

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