OpenSky® Secured Visa® Credit Card
Consumer Reviews, Fees, Credit Score, Application & Best Alternatives
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The OpenSky Secured VISA is a fantastic card that can help you rebuild your tarnished credit score. It reports to all three major credit bureaus and comes with a flexible credit limit. It's also based on the VISA platform, meaning it comes with all the standard VISA benefits and perks.
It supports mBanking and eBanking, and applying for the card is done through the internet in a matter of minutes. As long as you need a nifty card that will be a fantastic tool in your credit rebuilding arsenal, you can make use of the OpenSky Secured VISA.
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
- Issued by Capital Bank N.A.
The OpenSky Secured VISA is one of the most popular credit repair cards out there. It comes with an intricate blend of features that make it a fantastic option for building your credit up, such as the no credit check policy.
You're almost guaranteed to get approved for this card. Aside from not triggering a hard inquiry into your credit history or any credit check policy whatsoever, you don't even need a bank account. All you need to do is fulfill the minimal requirements mostly put in place by federal law.
It's a simple, slick, and very useful card that will help you get your credit score back on track, and then some.
Who Is This Card for?
This card is designed with people that have bad credit in mind. It's the ideal card for building your credit. The acceptance rates are so high that no matter your prior credit score, you're very unlikely to get rejected.
It's a fantastic option if you're looking for a good everyday card that will help you rebuild your credit score. You'll need a credit repair strategy to accompany you with this card, but as long as you're responsible with your payments, you should be fine.
OpenSky Secured Card Benefits
What this card lacks in bonuses, it makes up for in benefits. First and foremost, it reports all spending to all three of the major credit bureaus, meaning you can promptly repair your credit score. It also allows you to set your credit limit with your initial deposit.
A very appealing aspect of this card is the application process. It's quick, it's simple, and it's online - you don't have to visit a local branch near you to apply for this card, as you can do it from the comfort of your own home in mere minutes.
The OpenSky Secured Visa comes with a very low APR, making it a fantastic option for those who aren't in the best place financially. Aside from this, this card comes with auto rental insurance, zero liability against fraud, and all the standard VISA benefits.
Speaking of VISA, this card is accepted everywhere across the world. As long as a merchant accepts cards, they'll accept your OpenSky card without any issues.
Managing this card is also simple - as it comes with state of the art eBanking and mBanking features.
PRO TIP: If you want to improve your credit score as fast as possible, make a substantial initial deposit. A bigger deposit will give you a larger credit limit and a healthy boost to your credit score.
Are There Any Disadvantages?
Nothing good in life comes without its fair share of bad, and neither does the OpenSky Secured Visa. The first thing to note is the terrible customer service that can only be reached via snail-mail. Aside from this, a couple of notable fees are associated with this card - such as the inactive account fee and the annual fee.
The last notable shortcoming of this card is that you can't upgrade it to an unsecured card. You'll have to close the account and open a new one if you want an unsecured card, which could wind up hurting your credit score in the long run.
Should You Use This Card?
Having a card like this in your credit repair arsenal is virtually mandatory if you want to ensure you're doing the best job possible at the fastest possible rate. It can be a fantastic choice for a credit repair credit card as it's fees are tolerable, it's acceptance rates are sky high, and its flexibility makes it ideal for most consumers.
It's a card built around your unique needs, meaning that you can set your own credit limit and use it the way you want. The only important thing to remember is to use the card if you want to avoid the inactivity fee.
If you're over the legal age, have the necessary documentation and need a card to help you rebuild your credit, this might be the right option for you.
Similar Competing Offers
- Quick and simple online application
- Decent fees and costs
- Fantastic credit rebuilding potential
- Reports to all three major credit bureaus
- eBanking & mBanking features
- Has an annual fee
- No upgrade option
Rates & Fees
|Introductory APR (%):||N/A|
|Regular APR Type:||Variable*|
|APR on Cash Advances:||17.39%*|
|Grace Period:||See T&C*|
|Late Payment Fee:||Up to $38*|
Alternatives, Compare OpenSky® Secured Visa® Credit Card With Similar Offers
OpenSky® Secured Visa® Credit Card
Min. Credit Level
Bad Credit OK*