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Open Sky Secured Credit Card

OpenSky® Secured Visa®

- Earn up to 10% cash back on everyday purchases
- No credit check required - 89% approval rate with zero credit risk to apply!
- Boost your credit score fast-2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments-add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with just $200-secure your credit line with a refundable deposit
- Fast and easy application-apply in minutes with our mobile-first experience
- Flexible payment options-pick a due date that works for you
- More time to fund-spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used OpenSky® to build better credit!

4.5 / 5.0 (85 votes)

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Information - Rates - Fees

Intro APR:

N/A*

Intro Period:

N/A*

APR:

24.39%*

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
Reward Card

Credit Needed:

No Credit*

Grace Period:

25 days*

Min Finance Charge:

$1.00

Min Credit Line:

$200

Max Credit Line:

$3,000

Late Payment Fee:

Up to $41*

Over Limit Fee:

$20.00

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):

24.39%

Cash Advance Fee (%):

5.00%

Minimum Fee:

$6.00

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

Comments

*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 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

Rewards:

- 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:

Yes!

100% Guarantee Approval: