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We found the secured credit card you need to regain access to credit

OpenSky® Secured Visa® Credit Card, set your credit limit with no credit check required

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Are you tired of knocking on every credit issuer’s door asking for a credit card? Try the OpenSky® Secured Visa® Credit Card. Your chances of getting approved are high, and the minimum security deposit is low. Also, the annual fee is accessible, and you’ll get full support for the things that matter: improving your financial health!

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Even though this is a simple card, you can always take advantage of these benefits:

Take your Visa® everywhere and swipe with confidence
Choose the security deposit amount that fits your budget
Get your credit activity reported to the credit bureaus
Qualify for an unsecured credit card within 6 months

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We all know the magic of a good credit card: smooth online shopping, travel rewards, and maybe even a fancy airport lounge someday.

But what if your credit history isn't exactly...shining? That's where secured cards like the OpenSky® Secured Visa® credit card come in.

It is like training wheels for your credit journey. Let's weigh the pros and cons:

Upsides and advantages

  • Credit score: No credit check? Yes, please! This card welcomes even credit newbies with open arms.
  • Credit building ally: It's a fantastic chance to build a credit history from scratch or repair some bumps along the way.
  • Flexible security deposit: You choose your credit limit! Well, sort of. Your security deposit determines your spending power, ranging from $200 to $3,000.
  • Upgrade to another credit card: Use the card responsibly and make your payments on time, and after six months of good behavior, you might graduate to an unsecured credit line with a bigger limit.
  • Visa perks: You're tapping into the Visa network, so expect things like fraud protection and emergency assistance. 

Downsides and limitations

  • Annual fee: There's a $35 yearly fee. Not a dealbreaker, but something to consider, especially if you're just starting.
  • Interest rate: The APR is 25.64%, which is on the higher side. Remember, carry only what you can comfortably repay each month.
  • No rewards: This card is all about building credit, not racking up rewards. So, if you're a cashback or points fanatic, you might need to look elsewhere.
  • Foreign transaction fee: If you're a jetsetter, be prepared for a 3% fee on international purchases.

The OpenSky® Secured Visa® Credit Card is a solid first step for credit newbies or folks rebuilding their scores.

But remember, use it responsibly, pay your bills on time, and graduate to bigger and better things!

If you're a seasoned credit card user with a good credit score or looking for rewards, this might not be your soulmate card.

The OpenSky® Secured Visa® Credit Card is a credit card option for those who have imperfect credit histories. With a security deposit, you can set your credit limit and get access to credit. It is a good choice for people who can not provide the credit score requirements to use secured credit cards and would like to change their situation.

The chances of being denied for the OpenSky® Secured Visa® Credit Card are very low. If you provide the correct information about your identity, address, and finances, you will probably get approved. But OpenSky will get in touch to give you a second chance to correct your info. If you really get denied, your credit score will stay intact.

OpenSky reports your activity monthly, giving your credit a regular boost with every responsible swipe. Remember, consistency is key to unlocking a shinier credit future!

While your OpenSky® deposit is safe and sound, the card itself isn't FDIC-insured. But Capital Bank, the issuer, is FDIC-insured for up to $250,000, offering peace of mind for your financial journey.

So, this is what the OpenSky® Secured Visa® Credit Card brings to the table. Is it what you are looking for?

You can also take a look at the GO2Bank Secured Visa® Credit Card. With the same security deposit, you can get other benefits.

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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