OpenSky® Secured Credit Visa® Card Reviews

Approval Odds

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3.8 out of 5 stars
265 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

3.5 out of 5 stars

4 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR Not Applicable
  • Annual Fee $35
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 18.14%* Variable

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 18.14% 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.


Most Helpful Positive Review

Feb 01, 2016
This card is strictly for rebuilding credit
vas22 Cardholder

The application and approval process was very simple and fast and was approved in seconds. Best way to get card fast is if you have bank account and you pay your deposit through your account. I received my card in 7 days and when you receive it and open up your online account your 35 yearly fee is already deducted from your card balance. Pay it immediately! Its the price to pay to get back in and play. It takes a while for your payment to clear and get your balance back and also the website is very elementary. Your score will go up but my rule of thumb is to not use anymore than 20% on card and pay it immediately. This is NOT a card for pleasure or for benefits and the card in reality sucks but im not in this for fun...purely business. My goal is to recover my credit post bankruptcy and this card is the tool I am afforded to accomplish that and only option I had. If you have horrible credit and just want to build a new foundation for yourself this card is for you. If you have options with credit cards than this is not the card for you. If you pay your balance off immediately after using it than you should be clear of any interest. Use this card wisely and remember your goal! Hope thus helps.

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Most Helpful Negative Review

Dec 27, 2013
Anonymous Cardholder

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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These reviews were written by current and former cardholders in the last year.

May 22, 2017
Drummer122790 Cardholder

Applied for the card got approved and put a $200 deposit down. Received the card 10 days later. April 4th my credit score went up 56 points!!! Hope to see it keep rising  

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1 Reply
May 23, 2017

It says April 4th your credit score went up. From what date?

May 19, 2017
very bad
Anonymous Cardholder

stay clear of this company

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May 18, 2017
This is the gateway card.
Anonymous Cardholder

I haven't had a problem with OpenSky. It has been the perfect gateway card for me. I started with a $200 secured limit. After a month, I received my first credit card offer with a $300 limit. Five months later, and 3 credit cards later, my credit score rose 150 pts. Happily satisfied with the results and am glad I started off on this journey to self-improvement.

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May 18, 2017
This card is great to build credit
Anonymous Cardholder

I had a credit score of 431. Now my score went up to 684 within 6 months. Everytime I pay a payment on time, it goes up effectively the next time I look at my credit report. I will love to refer anyone for this card. The only thing I wish is they can accept my debit card for payment. I will have to send a money order.

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May 18, 2017
Exactly what I asked for and needed!
Anonymous Cardholder

Easy application! Got approved in seconds! I received my card 8 days after the funds cleared my account! Everything the customer service rep told on the phone, happened exactly the way he explained! Will leave another review in a couple months with my new credit score

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May 18, 2017
Anonymous Cardholder

Love it great card for rebuilding your credit 

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May 18, 2017
Good to build credit
Naveen83 Cardholder

My score increased by more than 200 in 5 months using this card. Pay bills on time. Maintain low credit usage and pay off balance every month

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May 18, 2017
Great for rebuilding credit
misstwilight Cardholder

This is a great card for rebuilding your credit. I was approved with a low 500 credit score. After receiving the card my score climbed immediately. After a year I am now in the high 600's and also received a credit limit increase. This is really a great card.

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May 20, 2017

Did you increase your security deposit? Because this card does not do cli's otherwise as far as I k,now .

May 25, 2017

Yea thats what I was saying too? They said they dont give credit limit increases

May 18, 2017
Financial progress and impeccable service
Bluecollar1600 Cardholder

Easy tool to aquire , and take you to where you want to go. Opensky Visa is the best option available.

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May 18, 2017
Lescaultdennis Cardholder

If you want to improve your credit rate and have no credit history like myself then this card is worth it. You are of course only using your own money but I went from 400 credit score to 600+ in no time at all

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‡ Average score refers to the arithmetic mean and typical low score to the 5th 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 June 2014 through November 2014. 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.

OpenSky® Secured Credit Visa® Card