Credit Cards
OpenSky® Secured Visa® Credit Card review
Learn why the OpenSky® Secured Visa® Credit Card is one of the best credit building cards in the market in our full review!
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OpenSky® Secured Visa® Credit Card: Build credit fast and improve your finances!
Are you in the market for a solid card to help you build your credit score? Then check out our OpenSky® Secured Visa® Credit Card review and learn why this is one of the best options out there.
OpenSky® Secured Visa® Credit Card: how to apply
Learn how to quickly and easily apply for the OpenSky® Secured Visa® Credit Card and start improving your credit score today!
Not only is this card easy to qualify for, but it offers exclusive benefits to its cardholders. You can get a credit limit increase, upgrade to an unsecured card, and more.
| Credit Score | No credit, Poor, and Fair. |
| Annual Fee | $35. |
| Purchase APR | 29.99% variable. |
| Cash Advance APR | 29.99% variable. |
| Welcome Bonus | None. |
| Rewards | There are no rewards on purchases. |
OpenSky® Secured Visa® Credit Card overview
If you’re looking to rebuild your credit score, getting a secured card is a solid alternative. And one of the best currently available is the OpenSky® Secured Visa® Credit Card.
With this card, there are no credit checks, and you can find out instantly whether you got it or not. That being said, the OpenSky® has one of best approval rates out there, with over 85%.
The card charges a modest $35 annual fee, and has a variable 29.99% APR on purchases and cash advances. There’s also a late payment fee up to $40.
You can deposit any amount between $200 and $3,000 – which will work as your spending limit. With on-time payments and responsible use, you may be eligible for a line increase without a deposit.
The OpenSky® Secured Visa® Credit Card offers credit bureau reporting, and even the chance to upgrade to an unsecured card in as little as 6 months.
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OpenSky® Secured Visa® Credit Card main features
The OpenSky® Secured Visa® Credit Card is a fantastic option to help you on your credit building journey.
But as with any credit card, there are a couple of drawbacks to consider before applying. See the pros and cons next in our OpenSky® Secured Visa® Credit Card review.
Pros
- 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.
- 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.
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay.
- 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.
Cons
- It has an annual fee.
- Requires a minimum $200 deposit.
- No welcome bonus.
- No rewards.
Minimum credit score to apply
Since this is a secured credit card for people who are looking to improve their credit, there are no minimum score requirements.
How to apply for the OpenSky® Secured Visa® Credit Card?
The OpenSky® Secured Visa® Credit Card could be the tool you need to start improving your finances! If you’d like to learn how to apply for it, check the following link.
OpenSky® Secured Visa® Credit Card: how to apply
Learn how to quickly and easily apply for the OpenSky® Secured Visa® Credit Card and start improving your credit score today!
About the author / Giovanna Klein
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