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Trusted & Secure
  • Empowering over
    50,000,000 card holders Since 2005

OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card


Rated 3.5/5 stars by our editorial team

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  • Regular Purchase APR 18.89% (variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $35
  • Credit Needed


  • Card Brand Visa®

Card Details


  • Click "APPLY NOW" to apply online
  • No credit check to apply and find out instantly if you are approved.
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • *View the cardholder agreement

Card Fees

Foreign Transaction Fee 3% of each Transaction in U.S. dollars

Balance Transfer Fee N/A

Cash Advance Fee $6 or 5% of the amount of each Cash Advance; whichever is greater

Penalty APR None

Ongoing Information

Rewards Rate None

Annual Fee $35

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

A secured card is a great option for those who are looking to improve their credit, but can’t get approved for a traditional unsecured credit card, or, for those who wish to have a higher credit line that other issuers simply can’t give them. The OpenSky® Secured Visa® Credit Card allows their card holders to have a credit line as high as $3,000 (subject to approval), which is a bit higher than other secured cards, with the minimum being $200. Like most secured cards there’s not much you’re going to get in terms of rewards, points or cash back, but they do report to credit bureaus, ensuring that you'll be able to build credit with responsible use.

One great perk that makes this credit card stand out is that there is no credit check necessary to open an account. The online application is quick and easy and applicants do not need to have a checking account to get approved. Fees that are attached with this card are pretty typical with the APR at 18.89% (variable) and an annual fee of $35.

The terms and conditions of the card state penalty fees of up to $38 for a late payment and up to $25 for a returned payment if you fail to meet the due date, exceed your credit line, or have a returned payment. A deposit is required at the time of application since approvals are instant and no checking account is required. This card will work anywhere Visa is accepted. 

Expert Reviews of the OpenSky® Secured Visa® Credit Card

  • 4.0

    Regular APR

  • Intro APR

  • 4.0


  • 1.0


  • star rating 3.5/5

    Overall Rating

The Bottom Line

This secured card is right in the middle in terms of rates and fees. The annual fee is pretty low compared to similar credit cards.

The Good

There is no credit check necessary and you don't need a checking account either. A low annual fee and the potential for a high credit line makes this a great choice if you're looking for a solid secured credit card.

The Not so Good

If you’re looking for a card with rewards, points, or cash back, this isn’t the card for you. A secured card may not be your top choice, but it’s essential to building your credit.

Editorial Note: This content is not provided by OpenSky. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by OpenSky.

Consumer Reviews

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