OpenSky® Secured Visa® Credit Card
BASICS
Card Category
Consumer
Minimum Credit
Level Needed
Bad / No
Bad / No Credit
You can apply if: you have never had a credit card or haven't established a credit history yet; your credit has seen bankruptcies or defaults.
Card Type
Secured
Card Rating
CreditCardMenu.com evaluates each card offered on the site using several criteria (e.g., interest rates, fees, benefits, rewards programs) in order to help you choose a card. This rating reflects CreditCardMenu.com's opinions, beliefs and experiences with credit card products presented and reviewed on this website. This rating is not influenced by payment considerations.
RATES
Intro APR on Purchases (Intro Period)
N/A
Intro APR on Balance Transfer (Intro Period)
N/A
Ongoing APR (Purchases)
22.64% (variable)
Ongoing APR (Balance Transfers)
N/A
Ongoing APR (Cash Advances)
22.64% (variable)
CARD FEATURES
Available Rewards
No Rewards Program
Card Description
• No credit check to apply. Zero credit risk to apply!
• Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
• With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
• Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
• Get free monthly access to your FICO score in our mobile application
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
• Fund your card with a low $200 refundable security deposit to get a $200 credit line
• Apply in less than 5 minutes with our mobile first application
• Choose the due date that fits your schedule with flexible payment dates
• Fund your security deposit over 60 days with the option to make partial payments
• Join over 1.2 million cardholders who’ve used OpenSky to build their credit
FEES
Annual Fee
$35
Application Processing Fee
See Terms
Balance Transfer Fees
N/A (min=N/A, max=N/A)
Cash Advance Fees
5% (min=$6, max=N/A)
Foreign Transaction Fees
3% (min=3%, max=3%)
Late Payment Fee
Up to $38
Reasonable efforts are made to maintain accurate information. However, the information on the cards' rates and terms is presented without warranty. When you click on the "apply online" link you will have an opportunity to review the credit card terms and conditions on the credit card issuer's web site.
