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The OpenSky® Secured Visa® Credit Card currently has an Informr score of 6.8 out of 10.
This score is based on our evaluation of 19
sources including reviews from users and the web's most trusted critics.
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.
They have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on their Facebook Fan page. (Search “OpenSky Card” in Facebook.)
No signup bonus
Foreign Transaction Fee
Am I eligible?
OpenSky® Secured Visa® Credit Card is typically available to those with
credit scores (650 or greater).
To get this card, you must also:
Be a permanent or temporary resident of USA
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...
The OpenSky Secured Visa is designed for people who need to repair their credit or have no credit. This secured credit card doesn’t require a credit check or even a checking account to be eligible. Instead, you submit a refundable deposit between $200 to $3,000, which acts as your credit limit. Beca...
- Kevin Payne, FinanceBuzz
If you’re looking to rebuild your credit or have no credit history at all, you can get started without a credit check with the OpenSky Secured Visa Credit Card. Regular reporting to the credit bureaus can help you establish a positive payment history as long as you pay in full and on time, but you w...
- Holly Johnson, NextAdvisor
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 any rewards, but you’ll keep additional charges to a minimum, and you can qualify for the card without a credit check.
- Emily Sherman, CreditCards.com
If you've struggled to qualify for a secured card because of poor credit or lack of a bank account, this card is a good option. But if you aren't facing such obstacles, you'd be better served by a secured card that upgrades you to a regular unsecured card after months of responsible use and doesn't...
- Melissa Lambarena, Claire Tsosie, NerdWallet
The OpenSky Secured Visa Credit Card may be a good fit if you’re looking for a secured credit card that doesn’t pull your credit when you apply. Because the card reports to all three major credit bureaus, using this card responsibly may help you establish a positive credit history. Additionally, the...
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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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