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Trusted & Secure
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    50,000,000 card holders Since 2005

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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%*
  • 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
  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued.
  • No credit check necessary and no checking account required; apply in less than 5 minutes.
  • Extra credit when you need it, increase your credit line up to $5000.
  • Access to online financial education.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card. 

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 N/A

Ongoing Information

Rewards Rate N/A

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 $5,000 (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%* 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 compare 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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