- Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
- Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
- Security deposit needs to be submitted before the credit card can be issued.
- No credit check necessary and no checking account required; apply in less than 5 minutes.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card
4.5 / 5.0 (72 votes)
Leave your vote!

Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
18.39%*
APR Type:
variable
Annual Fee:
$35*
Issuer:
Card Network:
Card Category:
Consumer (Secured)
Card Type:
Card for Bad Credit
Credit Needed:
Bad Credit OK*
Grace Period:
See T&C*
Min Finance Charge:
$1.00
Min Credit Line:
$200
Max Credit Line:
$3,000
Late Payment Fee:
$20.00*
Over Limit Fee:
$20.00

Balance Transfers

Balance Transfer:
No

Cash Advances

APR on Cash Advances (%):
18.39%

Other Fees

Additional Fees
Returned Check Fee: $25.00
Credit Limit Increase/Decrease: $25.00
Rush/Expedited Card Fee: $50.00
FREE electronic Billing Statements
Foreign Transaction: 1% of each transaction in U.S. dollars.

Review by

OpenSky® Secured Visa® Credit Card is a secured credit card offering potential cardholders a chance to build credit history over time. Cardholders receive credit based on a security deposit ranging from $200 to $3,000.

An introductory APR period during which no interest is charged applies towards purchase transactions. Cardholders can pay for goods and enjoy all the added benefits a Visa card can provide. Auto collision damage and emergency card replacement are a few visa benefits available to cardholders.

Free online account management provides round the clock access to the card account for much easier access to transactions and available balance.

Features

Most attractive:
- High credit limit
- VISA card benefits
Least attractive:
- Annul fee

Rewards & Benefits

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
Online Access:
Yes!
Credit Reporting:
Yes

The information provided for OpenSky® Secured Visa® Credit Card is believed to be accurate at the time of evaluation (Jul 4, 2017). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.