Open SkySM Secured Visa® Credit Card

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  • No Credit Check for Approva
  • No Checking Account Required
  • Reports to All 3 Major Credit Bureaus
  • All Applications Considered
  • Quick and Easy Online Application
  • 4 Ways to Fund Your Card
  • Accepted Everywhere You See the Visa Logo
  • Choose Your Own Credit Limit from $200 to $3,000
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Balance Transfer Intro APR:
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Details, Rates & Fees

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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 14.25%
Cash Advance Fee 5%
Late Fee $20
Penalty APR See Terms
Balance Transfer Fee 5%
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 Positive Review
A Great Starter Card (no big purchases)
by Wildflower111
Helpful to 247 out of 249

ok so i had this card for about 8 months now, it really brought my credit score to the 800s. i finally decided to close the account because it was a secured card . i paid off my balance which was only $25 (i only used the card for gas) they told me i would have to wait 4-6 weeks for my deposit which was only $200. i received my check today 4 weeks later, it came right on time. Now the only reason i closed this account is because i open up a checking acct with Wells Fargo and i got a WF Credit Card in the mail?!? CL 1,500 i was like whoah they automatically ran my credit so i kept it . i had the card for 4 months (Still Rebuilding) ppl lol.  i felt a little happy with my deposit i got back from Open Sky so i applied for a Walmart CC (The stories ive heard about them) back in Nov 14' i got the 7-10 day messaged so i was a lil discourage so i took a chance. before i can lift my finger off the send button I saw a big congratulations!!! CL 1,200 i thought ill apply knowing Christmas is right around the corner. 

So the Moral of my story is that this card can help you less than a year as long as you do what u need to do. ok im done good luck folks.

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 Negative Review
by Anonymous
Helpful to 1977 out of 2041

Yes, it's great to be able to get a secured card and rebuld your credit.  Yes, the card application process went smoothly. Just be aware that it takes 6-8 biz days for your payments to be applied to your account and available for your use. This is not disclosed in the card agreement, nor is it stated when you make your payment online.

When you make your payment online the site says it will be credited to your account within 2 business days. Turns out that AFTER THAT the bank puts a 5 day hold on it, which is why you are looking at a 6-8 business day delay.. If you call the card customer service dept. they tell you this has nothing to do with the card but is a policy of the banK and therefore there is nothing they can do about it. 

Now in the big scheme of things this isn't horrible. But I was counting on using this card tomorrow (the 5th biz day after making my payment) for a car rental and now have to figure out an alternative. I spoke with 2 customer service reps about the lack of disclosure on this, and their attitude basically was: too bad. They weren't very nice about it, which tells me they probably get this complaint a lot.

When you make a payment, you lose the use of that money for up to 8 business days every month while the bank uses it for free.This is the real reason this secured credit card is offered.

I might have been OK with the policy if I had known about it - which is why I am posting this review so others will not be caught by surprise.

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