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Open Sky Secured Credit Card

OpenSky® Secured Visa®

- 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.

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Information - Rates - Fees

Intro APR:

N/A*

Intro Period:

N/A*

APR:

17.39%*

APR Type:

variable

Annual Fee:

$35*

Issuer:

Other Issuers

Card Network:

VISA®

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:

$1.00

Min Credit Line:

$200

Max Credit Line:

$3,000

Late Payment Fee:

Up to $38*

Over Limit Fee:

$20.00

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):

17.39%

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

Comments

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

Review by CreditCardsLab

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:

- Annual fee

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!

100% Guarantee Approval: