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OpenSky® Secured Visa® Credit Card

apply online
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)
21.14% (variable)
Ongoing APR (Balance Transfers)
N/A
Ongoing APR (Cash Advances)
21.14% (variable)
CARD FEATURES
Available Rewards
No Rewards Program
Card Description
• No credit check to apply and find out instantly if you are approved.
• OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
• Get considered for a credit line increase after 6 months, with no additional deposit required
• You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
• Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
• View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
• Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
• Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
• 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
• *View the cardholder agreement
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.

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CreditCardMenu.com is an independent, advertising-supported website. CreditCardMenu.com receives compensation from the credit companies whose offers appear on our website. Compensation may have an impact on how and where credit products appear on the website, including, for example, the order in which they may appear within reviews. CreditCardMenu.com does not present, nor does it review all available credit offers.

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Disclosure: Not an access card.