OpenSky Secured Visa Credit Card: Start Building Credit Without the Barriers

The OpenSky Secured Visa Credit Card is an ideal option for individuals looking to build or rebuild credit.

Designed to provide access and support, the OpenSky Secured Visa Credit Card allows you to set your own credit limit with a refundable deposit, making it accessible even for those with no credit history. If you’re serious about taking control of your credit journey, the OpenSky card may be your best first step.

With easy approval, consistent monthly reporting to the three major credit bureaus, and strong security features, OpenSky empowers cardholders to develop positive credit habits over time. This card is more than just a way to make purchases — it’s a tool for transformation.

No Rewards, But Every Payment Moves You Forward

While the OpenSky Secured Visa Credit Card does not offer cashback or points, it delivers a more critical benefit: credit-building power. Every on-time payment helps boost your credit profile, which is especially important for people with limited or damaged credit. By focusing on foundational credit-building tools, OpenSky helps users establish trust with lenders for future credit needs — from auto loans to mortgages.

Straightforward Fees and Terms That Save You Money

One of the most attractive features of the OpenSky Secured Visa is that there’s no credit check required to apply. This makes it a smart and inclusive option for users who may be starting from scratch or recovering from financial setbacks.

• Annual Fee: $35
• APR: Variable purchase APR of 25.64%
• Security Deposit: Ranges from $200 to $3,000 — you choose the amount based on what you can afford and need.
• Credit Limit: Equal to your refundable security deposit.
• No rewards program or promotional APR offers

While the APR is relatively high, the card is designed for users who plan to pay their balances in full and avoid interest. The flat annual fee is modest compared to some competitors and supports the credit-building services the card provides.

Tools to Manage and Grow Financial Confidence

OpenSky supports your journey to better credit with essential financial tools:

• Monthly credit reporting to all 3 major credit bureaus (Experian, Equifax, TransUnion), which is crucial for establishing or rebuilding your credit score.
• Online account management for easy tracking of payments, balances, and due dates.
• Email and text alerts to help you stay on top of your credit activity and avoid late payments.
• Dedicated mobile app for convenient management on the go.

While it doesn’t offer features like free credit score access or budgeting tools, OpenSky does an excellent job focusing on the basics that matter most to people rebuilding their credit profile.

Secure, Reliable, and Accepted Nationwide

As a Visa®-branded card, the OpenSky Secured Credit Card is accepted at millions of locations in the U.S. and globally. You’ll enjoy built-in Visa security, including:

• Zero fraud liability on unauthorized purchases
• EMV chip technology for added transaction protection
• 24/7 customer service for assistance with issues or emergencies

These features help ensure peace of mind while you focus on building a positive credit history.

Transparent Terms You Can Count On

There are no hidden fees or surprise terms with OpenSky. Here’s a quick overview:

• Annual Fee: $35
• Variable Purchase APR: 25.64%
• Foreign Transaction Fee: 3%
• Late Payment Fee: Up to $40
• Security Deposit: $200–$3,000, fully refundable upon account closure (if the balance is paid)

Unlike some secured cards, OpenSky does not require a bank account to fund your deposit — making it more inclusive for underbanked applicants.

Who Can Apply?

You may qualify for the OpenSky® Secured Visa® Credit Card if:

• You are at least 18 years old (19 in some states)
• You have a valid Social Security Number or Individual Taxpayer Identification Number (ITIN)
• You are a U.S. resident with a verifiable U.S. address
• You can provide a refundable security deposit of at least $200
• You do not currently have an OpenSky account in good standing

There is no credit check, so even those with poor or no credit can apply.

How to Apply

Applying for the OpenSky card is quick and accessible:

1. Visit the OpenSky website
2. Fill out the application form with your name, address, and contact details
3. Choose your security deposit amount (between $200 and $3,000)
4. Fund your deposit via debit card, bank transfer, check, or money order
5. Submit your application and await email confirmation

No hard credit pull will be conducted, which means your current credit score won’t be affected.