Credit Cards

OpenSky® Secured Visa® Credit Card Review: poor credit accepted!

If you plan on improving your financial situation this year and putting your credit score back in shape, take a closer look at the OpenSky® Secured Visa® Credit Card in this full review.

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Get your OpenSky® Secured Visa® Credit Card and write a new credit history

OpenSky® Secured Visa® Credit Card
OpenSky® Secured Visa® Credit Card Review: poor credit accepted! Source: OpenSky

No more begging for a credit card. Our OpenSky® Secured Visa® Credit Card review will show you a better option than those expensive unsecured credit cards.

card

Credit Card

OpenSky® Secured Visa®

Secured Quick and easy

Build credit easily – no credit check required!

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Because if you think an unsecured credit card is not a good deal, you should think again. They are very efficient! Keep reading to understand what we’re talking about!

Credit ScoreAny credit score is accepted;
Annual Fee$35;
Purchase APR25.64%;
Cash Advance APR25.64%;
Welcome BonusNo bonus for new cardholders;
RewardsYou’ll get no rewards out of this plastic.

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The ins and outs of the OpenSky® Secured Visa® Credit Card

Let’s face reality: getting a credit card will put a spotlight on your credit history. If you haven’t done the work, you’ll get no applause from your credit issuer.

So let’s hire a good actor for this show. The OpenSky® Secured Visa® Credit Card is perfect for the role and will not review your credit score for the application.

This means you’ll get an open gate to ride the credit-score-building road. And all you have to do is pay the security deposit of at least $200. And pay the $35 annual fee.

Then, all you have to do is use your card like a responsible adult. This means paying your bills always on time to show the credit bureaus you have learned your lesson.

Moreover, this credit card has no fancy rewards programs or exclusive benefits. But you’ll get free credit score monitoring and don’t even need a bank account.

OpenSky® Secured Visa® Credit Card: is it worth it?

We understand that many people are unwilling to pay $200 upfront to get a credit card. But believe us, this might be your better and more advantageous chance to access credit.

After all, if you have a poor or no credit score, you don’t have too many good options available.

So you must review the OpenSky® Secured Visa® Credit Card benefits and weigh the possible disadvantages.

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Pros

OpenSky® Secured Visa® Credit Card
Get your OpenSky® Secured Visa® Credit Card and write a new credit history. Source: OpenSky
  • Straightforward application that will take you only a couple of minutes;
  • Visa® network will give you wide acceptance;
  • The refundable deposit can be as low as $200 (but as high as $3,000);
  • Keep an eye on your credit score without paying a cent for it;
  • Add your OpenSky® Secured Visa® Credit Card to your digital wallet;
  • No scratch on your credit score to apply for this card;
  • No need to get a bank account, as you’ll have other methods to make payments.

Cons

  • It charges an annual fee;
  • The interest rate can add pretty quickly to your balance, so pay attention to it;
  • Some secured cards give rewards. But that’s not the case with the OpenSky® Secured Visa® Credit Card.

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Credit score requirements for card application

Even though you don’t need to show your credit history, there are still a few requirements, and approval is not 100% guaranteed.

But there is nothing out of this world: SSN, US residency, legal age, income, just the regular documentation.

Ready to apply? Here’s how to get the OpenSky® Secured Visa® Credit Card

This post will show you how to apply for the OpenSky® Secured Visa® Credit Card in minutes. Because we know time is money, and you must save yours.

This credit card application will not touch your credit score. So you can apply without worries! Let’s see how you can do it.

Applying for your card: Online

Gone are the days when we had to walk all the way to the bank with a folder full of documents. Apply for the OpenSky® Secured Visa® Credit Card online!

First, go to the OpenSky website. Ensure you’re on the right website, as you’ll provide personal information. 

Then, find the “apply now” button and get to the application form. It will be pretty intuitive, and you must answer each question.

Now, pay close attention to the info you are providing. If you have one wrong digit in your Social Security Number, OpenSky will not be able to check your identity.

Once you’ve submitted the form, your information will be reviewed. If everything is right, you can get your approval within 1 to 2 business days.

Requirements

  • Proof of income;
  • US residency;
  • Social Security Number;
  • A security deposit of at least $200 to establish your credit limit.

Applying for your card: App

OpenSky® Secured Visa® Credit Card
Apply for OpenSky® Secured Visa® Credit Card: build credit. Source: OpenSky

Nowadays, it seems like our whole lives are inside our cell phones. And that is also true for your financial management.

Even though you can not apply for the card using the mobile app, you must for sure download it after you get approved.

After all, it will make everything easier. From checking your card balance and payments to monitoring your credit score.

The OpenSky mobile app is available for both Android and iOS phones.

OpenSky® Secured Visa® Credit Card or GO2Bank Secured Visa® Credit Card?

So, this is all we have to tell you about the OpenSky® Secured Visa® Credit Card by now. Do you think it matches your wallet?

We will give you something to compare if you need a moment to consider. Say hello to the GO2Bank Secured Visa® Credit Card. Yes, another secured credit card.

We’ll stay in the secured cards lane to show you how it can be a good move on your financial strategy. Again, you don’t need a good credit history to apply for this one.

OpenSky® Secured Visa® Credit CardGO2Bank Secured Visa® Credit Card
Credit ScoreAny credit score is accepted;No credit check: check;
Annual Fee$35;Zero plus zero, forever;
Purchase APR25.64%;22.99%;
Cash Advance APR25.64%;26.99%;
Welcome BonusNo bonus for new cardholders;None;
RewardsYou’ll get no rewards out of this plastic.GO2Bank has no rewards program for this credit card.

But we will not leave you with so little information. The following link will take you to our GO2Bank Secured Visa® Credit Card review.

Keep learning, and keep preparing yourself to crush the credit game.

GO2bank Secured Visa® Credit Card

Apply for GO2bank Secured Visa® Credit Card

Learn how to apply for the GO2bank Secured Visa® Credit Card and discover a better way to use your money and build a credit score!

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