- 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
4.5 / 5.0 (85 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
APR Type:
Annual Fee:
Card Network:
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*
Grace Period:
25 days*
Min Finance Charge:
Min Credit Line:
Max Credit Line:
Late Payment Fee:
Up to $40*
Over Limit Fee:

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):
Cash Advance Fee (%):
Minimum Fee:

Other Fees

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


*View our Cardholder Agreement located at the bottom of the application page for details of the card.

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

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.


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


- 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
Online Access:
100% Guarantee Approval:
Credit Reporting:

*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 fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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