OpenSky® Plus Secured Visa® Credit Card
BASICS
Card Category
Consumer
Minimum Credit
Level Needed
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)
29.49% (variable)
Ongoing APR (Balance Transfers)
N/A
Ongoing APR (Cash Advances)
29.49% (variable)
CARD FEATURES
Available Rewards
No Rewards Program
Card Description
• No annual fee
• No credit check to apply. Find out instantly if you are approved- 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
• Get considered for an unsecured credit line increase after 6 months - no additional deposit
• Monitor your credit progress with free access to your FICO Credit Score.
• Reports to all 3 major credit bureaus monthly to establish and build credit history.
• Secure your credit line with a refundable security deposit - as low as $300.
• 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
• Now you can make smaller partial payments towards funding your security deposit over 60 days
• Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
FEES
Annual Fee
$0
Application Processing Fee
See terms
Balance Transfer Fees
N/A (min=N/A, max=N/A)
Cash Advance Fees
3% (min=See terms, max=See terms)
Foreign Transaction Fees
3% (min=3%, max=3%)
Late Payment Fee
Up to $40
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.
