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OpenSky® Secured Visa® Credit Card Review

Improve your credit with the OpenSky® Secured Visa® Credit Card. Quick application, flexible deposit, and no credit history required! Check our full review to learn more.

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OpenSky® Secured Visa® Credit Card: Build up your credit with zero credit checks required!

OpenSky® Secured Visa® Credit Card on a blue background with light blue stripes
Check out our OpenSky® Secured Visa® Credit Card review. Source: Stealth Capitalist.

The OpenSky® Secured Visa® Credit Card is designed for people who have had some financial trouble in the past and need to rebuild their credit.

The great thing about this card is that it doesn’t need a credit check and bank account, which means you can start rebuilding your credit right away.

OpenSky® Secured Visa® Credit Card on a white background

Applying for the OpenSky® Secured Visa®

If you have no credit, getting a card might be challenging. But if you apply to OpenSky® Secured Visa® Credit Card, you'll easily have tons of benefits!

The company has had an average approval rate of more than 80% in the past five years. This means that there’s a high chance you’ll be able to improve your score with the card.

Besides, you can try to increase your credit line after six months with no additional deposit required!

And if that’s not enough incentive, then know this: you may start seeing improvement after just 3 months of timely payments.

Credit ScoreAll credit levels are welcome.
Annual Fee$35.
Regular APR25.64% (variable).
Welcome bonusIt does not offer a welcome bonus.
RewardsIt does not offer rewards.

How does the OpenSky® Secured Visa® Credit Card work?

We’ve all been there: our credit score is lower than we’d like it to be and we’re not sure how to make it better. One option is to get an OpenSky® Secured Visa® Credit Card.

First, you need to apply for the card. Make sure you meet the eligibility requirements, which include having a valid SSN and being a U.S. citizen or permanent resident.

Once you’re approved, you’ll need to make a security deposit of at least $200. This deposit will be your credit limit with the card.

OpenSky® Secured Visa® Credit Card pros and cons

OpenSky® Secured Visa® benefits
Check out the card’s benefits and limitations. Source: OpenSky.

Even if you don’t have a bank account, you can be eligible for this secured card. Plus, there’s no credit check. On the other side, the card charges an annual fee.

Pros

  • No credit check required.
  • You set the credit limit starting with a fully refundable $200 security deposit.
  • Can help you build credit like a traditional credit card.
  • Application is easy, fast and approval or no approval is instantly.
  • Reports to all 3 major credit bureaus monthly.

Cons

  • Has an annual fee.
  • No rewards program.
  • Requires minimum deposit.

My credit score needs to be good?

OpenSky does not perform a pull on your credit score, so that means you can apply for the card regardless of your credit standing.

This is a credit card designed for people with poor to average credit scores and that have a bad credit history.

Want to apply for OpenSky® Secured Visa® Credit Card?

This credit card is a great option for people who have poor to average credit scores. It’s easy to apply and you could be approved in 5 minutes.

If you want a secure way to rebuild your credit, the OpenSky® Secured Visa® is a perfect option. So, learn how to apply for it at the following link!

OpenSky® Secured Visa® Credit Card on a white background

Applying for the OpenSky® Secured Visa®

If you have no credit, getting a card might be challenging. But if you apply to OpenSky® Secured Visa® Credit Card, you'll easily have tons of benefits!

About the author  /  Izabela Bonzanini

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