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OpenSky® Secured Visa® Credit Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
25.64% (Variable)
Interest Rate: Purchases
25.64% (Variable)
Balance Transfer
Balance Transfer
Signup Bonus
Signup Bonus

Informr score
The OpenSky® Secured Visa® Credit Card currently has an Informr score of 6.5 out of 10. This score is based on our evaluation of 34 sources including reviews from users and the web's most trusted critics.

What's good

  • 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

What's bad

  • Annual fee
  • Foreign Transaction Fee

Am I eligible?

OpenSky® Secured Visa® Credit Card is typically available to those with poor credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA
Yes Provide a minimum security deposit of $200.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

With a relatively low APR and annual fee, the OpenSky Secured Visa credit card is a great card for those with bad to fair credit. You won’t earn substantial rewards, but you’ll keep additional charges to a minimum, and you can qualify for the card without a credit check.

- Emily Sherman,

The OpenSky Secured Visa Credit Card is a solid choice for rebuilding your credit. The card has lenient credit requirements, and in some cases, you can be approved for this card with no credit history. While other secured cards have fewer fees, more significant perks, the OpenSky Visa card is a grea...

- Grace Pilling, Bankrate

The OpenSky Secured Visa Credit Card has an annual fee of $35, which is reasonable, but it’s still the only card with an annual fee on our list of the best secured credit cards. If this is your first credit card, be prepared to pay the annual fee for a while, until you have enough other credit cards...

- Lizzie Nealon, Cnet
Credit Sesame
Credit Sesame

If your number one goal is growing your credit and you’re not as concerned with lots of bells and whistles, the OpenSky® Secured Visa® Credit Card may be worth a closer look from you. As long as you pay your bills on time (at least the minimum balance due) and keep your balance low in relation to yo...

- Dinesh S, Credit Sesame

OpenSky® Secured Visa® Credit Card is a good secured credit card to apply for if you have poor or no credit and want to change that. That’s because the company does not require a credit check and will report your good behavior to the three major credit bureaus. OpenSky® reports that over 85% of appl...

- Kevin Mercadante, Time


Interest Rates
Regular APR Interest Rate 25.64% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate

Balance Transfers Not Allowed

Cash Advance Interest Rate 25.64% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $35.00
Balance Transfer Fee
Cash Advance Fee $6.00

Or 5% of the amount of each cash advance, whichever is greater.

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus

Get a $200 Credit Line for $149

All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

Earn up to 10% cash back on purchases made with your OpenSky card at 40,000+ retailers

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Minimum Security Deposit $200
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments

*See Rewards Terms and Conditions for more information

Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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