OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® Credit Card is designed for those with poor credit looking to rebuild their credit history. The card reports to all 3 credit bureaus. No credit check is necessary to apply. However, there are no rewards or other benefits and there’s an annual fee. While this card can be an option to help you improve your credit, you should also consider other options with no annual fee.

Our Rating

3.0/5.0

Welcome Offer

None

Annual Fee

$35

0% on Purchases

Reward Rate

N/A

0% on Balance Transfers

Welcome Offer

None

Features & Benefits

SecurityEMV Chip Enabled
Contactless Payments
Benefits
Travel PerksNone

Rewards

Interest Rates & Fees

Annual Fee$35
Foreign Transaction Fee3% of each Transaction in U.S. dollars
Regular APR25.64%+ (V) APR

Pros & Cons

Pros
  • Reports to all 3 credit bureaus
  • No credit check needed to appy
Cons
  • Annual fee
  • No welcome bonus
  • No rewards
  • High APR
  • Foreign transaction fee

What Are the Best Alternatives?

Capital One Platinum Secured Credit Card
Capital One Platinum Secured Credit Card

Rating

4.5

Rewards Range

N/A

Annual Fee

$0

Capital One Quicksilver Secured Cash Rewards Credit Card
Capital One Quicksilver Secured Cash Rewards Credit Card

Rating

4.8

Rewards Range

1.5%

Annual Fee

$0

Secured Chime Credit Builder Visa® Credit Card
Secured Chime Credit Builder Visa® Credit Card

Rating

4.5

Rewards Range

N/A

Annual Fee

$0

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