OpenSky Secured Visa credit card full review

This article will give you a detailed overview of the OpenSky Secured Visa credit card and how to get one for yourself so that you can improve your credit score!


by Izabela Bonzanini

02/24/2022 | Updated on 03/06/2023

OpenSky Secured Visa credit card

OpenSky Secured Visa card
Check out the OpenSky Secured Visa credit card review. Source: OpenSky.

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.

Logo Opensky

Applying for the OpenSky Secured Visa Credit Card

If you have no credit, getting a card might be challenging. But if you apply to OpenSky Secured Visa, 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, in most cases, their customers are approved, and they can use the card to improve their credit score!

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 can qualify for the OpenSky Gold Unsecured after the first semester of using the card.

So, check our review for more information about the card!

Credit ScoreNo credit check
Annual Fee$35
Regular APR19.64% (variable)
Welcome bonusIt does not offer a welcome bonus
RewardsIt does not offer rewards

How does 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. It’s important to make sure you meet the eligibility requirements, which include having a valid Social Security number and being a U.S. citizen or permanent resident, and 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

Credit Score rating based on debt reports showing creditworthiness or risk of individuals for student loan, mortgage and payment cards, concept with business person touching scorecard on screen
Check out the card’s benefits! Source: Adobe Stock.

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.


  • No credit check required
  • You set the credit limit
  • 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


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

My credit score needs to be good?

Since this card does not require a pull on your credit score, and the recommended score to apply to this card is poor (300) to average (689), it’s perfect for people with poor to average credit scores and that have a bad credit history.

Want to apply for OpenSky Secured Visa Credit Card?

The OpenSky Secured Visa Credit Card is a great option for people who have poor to average credit scores. With no credit check required, it’s easy to apply and you could be approved in 5 minutes and you can get a credit limit as low as $200.

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!

Logo Opensky

Applying for the OpenSky Secured Visa Credit Card

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

About the author  /  Izabela Bonzanini

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