OpenSky Plus Secured Visa® Credit Card
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The OpenSky Plus Secured Visa® Credit Card is a secured card designed for those with poor credit. Those who are unbanked may find this card useful, as it’s one of the few secured cards that doesn’t require a linked bank account. There is no credit check to apply, but you must put down a deposit of at least $300, and this amount will be your credit limit. The card reports to all three credit bureaus.
The only difference between this card and OpenSky® Secured Visa® Credit Card is that this card doesn’t have an annual fee and requires a slightly higher deposit. The interest rate is sky-high, though, and although OpenSky will consider you for an unsecured card after six months of responsible use, OpenSky doesn’t have any great options for an upgrade. We dive into the details in this OpenSky Plus review.
Our Rating
3.0/5.0
Welcome Offer
None
Annual Fee
$0
0% Intro on Purchases
None
Reward Rate
None
0% Intro on Balance Transfers
None
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled |
| Contactless Payments | Apple Pay, Google Pay, Samsung Pay |
| Benefits | Choose your due date, 24/7 customer service |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each Transaction in U.S. dollars. |
| Regular APR | 29.99% (V) APR |
Pros & Cons
- No annual fee
- No credit check
- Reports to all three credit bureaus
- No welcome bonus
- No rewards
- High APR
- Foreign transaction fee
What Are the Best Alternatives?
Capital One Quicksilver Secured Cash Rewards Credit Card
Rating
3.8
Rewards Range
1.5%
Annual Fee
$0
U.S. Bank Cash+® Secured Visa® Card
Rating
3.8
Rewards Range
1% - 5%
Annual Fee
$0
Secured Chime Credit Builder Visa® Credit Card
Rating
4.5
Rewards Range
N/A
Annual Fee
$0