OpenSky Secured Visa Credit Card

in Personal Credit Cards

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OpenSky Secured Visa Credit Card


in Personal Credit Cards

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Who is OpenSky Secured Visa Credit Card Designed For?

The OpenSky Secured Visa Credit Card is designed for people who want to build their credit with a low-cost secured card that doesn't require a credit check or charge outrageous fees. OpenSky Secured Visa is a secured card, which means the credit line is based on how much money cardholders can place as a security. The security deposit is fully refundable and starts as low as $200 up to $3,000.

What are the Rates for OpenSky Secured Visa Credit Card?

The OpenSky Secured Visa Credit Card charges all cardholders 18.39% APR for purchases and cash advances, regardless of their creditworthiness. Cardholders who are late on their payments are hit with a 22.50% APR penalty rate that will continue in place until the member makes six consecutive on-time payments.

What Are the Fees for OpenSky Secured Visa Credit Card?

OpenSky Secured Visa charges a $35 annual fee, which is competitive for a secured credit card that accepts all credit types and doesn't require you to open a checking account. Cash advances come with a 5% fee ($6 minimum charge). It also charges a 3% fee on foreign transactions in U.S. dollars, a $27 late payment fee and a $25 returned payment fee.

Does the OpenSky Secured Visa Credit Card Have Any Other Benefits?

OpenSky Secured Visa reports monthly to all three credit bureaus. This allows cardholders to start building a solid credit history of timely payments as soon as they open the account, which can improve your credit score over time. It also offers members free access to online financial education.

OpenSky Secured Visa has flexible funding options that allow people without a checking account to qualify for a credit card. As well as using a debit card or bank transfer, cardholders can fund their security deposit with WesternUnion wire transfer or by mailing a money order.

How Is OpenSky Secured Visa Credit Card Better Than Other Credit Cards? 

- Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
- Choose your credit line as low as $200 up to $3000, secured by a fully refundable* security deposit.
- Security deposit needs to be submitted before the credit card can be issued.
- No credit check necessary and no checking account required; apply in less than 5 minutes.
- Extra credit when you need it, increase your credit line up to $5000.
- Access to online financial education. 

*View OpenSky Secured Credit Card's Cardholder Agreement located at the bottom of the application page for details of the card. is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


  • Headquarters
  • P.O. Box 539
    Horsham, PA 19044 USA
  • Visit Site


Available in 50 States and Washington, DC
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period / Deferred Interest (Months)
Over-Limit Fee
Late Payment Penalty
Returned Payment Fee
Minimum Interest Charge
Annual Fee
Foreign Currency Transaction Fee
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Credit Score Range
300 - 700
850 300 700
Minimum Age
Customer Type
Card Type
  • Bad Credit
  • Secured
Card Network
  • Visa
Fraud Liability
Purchases APR (variable)
Starting at
Balance Computation
average daily balance (including new purchases)
Penalty APR
Credit Limit

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