- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
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
Credit Needed:
Bad Credit OK*
Grace Period:
25 days*
Min Finance Charge:
Min Credit Line:
Max Credit Line:
Late Payment Fee:
Up to $38*
Over Limit Fee:

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):

Other Fees

Additional Fees
Returned Payment Fee: $25.00
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.

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


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 (Nov 9, 2021). 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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