OpenSky® Secured Credit Visa® Card

349 Reviews

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OpenSky® Secured Credit Visa® Card

349 Reviews

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 at any time*.
Access to online financial education.
*View our Cardholder Agreement located at the bottom of the application page for details of the card. Click the Apply Now button to get to the application page.

Annual Fee:

$35

Purchase Intro APR:

N/A

Purchase Regular APR:

17.64%*

Variable

Balance Transfer Intro APR:

N/A

Balance Transfer Regular APR:

N/A

Details, Rates & Fees

Click here for Additional Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate	17.64%
Cash Advance Fee	5%, Min: $6
Late Fee	Up to $27
Penalty APR	21.75%
Balance Transfer Fee	N/A
Foreign Transaction Fee	3%
Return Payment Fee	See Terms*

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Helpful Review

by shyguy527

Helpful to 1 out of 1

I had two of these cards when Public Savings Bank issued them. Then Open Sky bought them out and were going to change the terms to much less favorable ones so I cancelled. I had no annual fee and about half the APR they have now. The only downside with PSB was no interest on the security deposit - but that was a small sacrifice for not paying any annual fee. My utilization went up considerably when I closed the cards because I was left with a single remaining card on which I was carrying some balance. I soon paid the balance and brought my CK score up to a 600 though which was enough to get approved for a CapOne Journey Student Rewards card just the other day :) It's getting harder and harder to find secured cards with decent terms it seems and this card is certainly no exception.

Most Helpful Negative Review

by shyguy527

Helpful to 1 out of 1

See More Reviews

Our Take

The OpenSky® Secured Credit Visa® Card is a good choice for people who are looking to build their credit without paying too much in fees.

What to Like

The OpenSky® Secured Credit Visa® Card reports regularly to all 3 major credit bureaus, making it useful for building credit. The $35 annual fee is relatively low for a card aimed at people with limited credit history, and there are no other processing, servicing or application fees. There’s no credit check for applicants, and the 17.64% APR is competitive for a card made for low score users.

Look Out For

There’s a slightly higher penalty APR for cardholders who have missed a payment. This is also a secured credit card, meaning you’ll have to put down a deposit equal to your credit line in order to get access to credit.

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No annual fee, and all the credit building benefits with responsible card use
Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
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Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
24/7 Online Access to Your Account

Fund your new MasterCard® secured credit card with your tax refund today!
Receive Your Card More Quickly with New Expedited Processing Option
No Credit History or Minimum Credit Score Required for Approval
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from March 2016 through August 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

Advertiser Disclosure: The offers that appear on this site are from third party advertisers from which Credit Karma receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). It is this compensation that enables Credit Karma to provide you with services like free access to your credit scores and free monitoring of your credit and financial accounts at no charge. Credit Karma strives to provide a wide array of offers for our members, but our offers do not represent all financial services companies or products.

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