OpenSky Secured Visa Credit Card

Consumer (Secured) Card Offer from Other Issuers.

Basic Information

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.

N/A* Intro APR

N/A*Intro APR Period

Bad Credit OK*Credit Needed

See T&C*Grace Period

Up to $38*Late Payment Fee

APR: 19.64%* Variable
Card Network:VISA®
Card Type:- Card for Bad Credit

Card Review

Product Rating:
Ratings (4.5 out of 5)

OpenSky® Secured Visa® Card is a low cost secured credit card giving cardholders the full benefits of a visa card. Credit reporting to all 3 major credit bureaus ensures cardholders who display good repayment build or rebuild credit history over time.

Accepted applicants are required to make a security deposit into an FDIC account with the card issuer. Deposits may range from $200 to $3,000. Every cardholder gets same amount of credit as is deposited into the card account.

Purchase APR is highly competitive and cardholders do not incur any interest over a midterm period.

Online applicants will receive a response within a few hours. Credit is not a factor in approving or disapproving applicants.

Additional benefits come as a result of the Visa network. Cardholders purchasing rental cars are covered by auto rental insurance. Emergency card replacement ships another copy of the card once it's report as lost or stolen.

The review is prepared by staff. Opinions expressed therein are solely those of the reviewer.

Rewards & Benefits

Other Benefits:- Choose your credit limit-up to $3000
- $0 fraud liability
- Report to all 3 major credit bureaus
- Friendly Customer Service
- Fee 24-hour online account access
- Auto collision damage
- Emergency card replacement
Credit Reporting:Yes

Card Finance & Rates

Introductory APR:N/A*
Introductory Period:N/A*
APR on Purchases: 19.64%* Variable
Annual Fee:$35*
Minimum Credit Line:$200
Maximum Credit Line:$3,000

Balance Transfers

Balance Transfer:No*

Cash Advances

APR on Cash Advances:19.64%

Other Fees

Additional Fees: Returned Check Fee: $25.00
Credit Limit Increase/Decrease: $25.00
Rush/Expedited Card Fee: $50.00
FREE electronic Billing Statements
Foreign Transaction: 3% of each transaction in U.S. dollars.


*View our Cardholder Agreement located at the bottom of the application page for details of the card.

The information provided for the OpenSky® Secured Visa® Credit Card is considered to be accurate at the time of posting (May 21, 2019). However, we strongly advise site visitors to check the terms and conditions applicable to the product on the card issuers application page prior to completing an application.

Application Security

Please note that all applications feature secure SSL technology for your online protection.

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