OpenSky® Secured Visa® Credit Card
Editorial Note: We earn a commission from partner links on Allcards. Commissions do not affect our authors’ or editors’ opinions or evaluations. From our partners: See our advertiser disclosure here.
The OpenSky® Secured Visa® Credit Card is designed for those with poor credit looking to rebuild their credit history. The card reports to all 3 credit bureaus. No credit check is necessary to apply. However, there are no rewards or other benefits and there’s an annual fee. While this card can be an option to help you improve your credit, you should also consider other options with no annual fee.
Our Rating
3.0/5.0
Welcome Offer
None
Annual Fee
$35
0% on Purchases
Reward Rate
N/A
0% on Balance Transfers
Welcome Offer
None
Features & Benefits
| Security | EMV Chip Enabled |
| Contactless Payments | |
| Benefits | |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $35 |
| Foreign Transaction Fee | 3% of each Transaction in U.S. dollars |
| Regular APR | 25.64%+ (V) APR |
What Credit Score Is Required to Get the OpenSky® Secured Visa® Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 497
Average Approved Credit Score: 563
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 03/04/2020 | TransUnion | ||
| Approved | 04/27/2022 | TransUnion | ||
| Approved | 04/27/2022 | Experian | ||
| Approved | 04/27/2022 | Equifax |
Pros & Cons
- Reports to all 3 credit bureaus
- No credit check needed to appy
- Annual fee
- No welcome bonus
- No rewards
- High APR
- Foreign transaction fee
What Are the Best Alternatives?
Capital One Platinum Secured Credit Card
Rating
4.5
Rewards Range
N/A
Annual Fee
$0
Capital One Quicksilver Secured Cash Rewards Credit Card
Rating
4.8
Rewards Range
1.5%
Annual Fee
$0
Secured Chime Credit Builder Visa® Credit Card
Rating
4.5
Rewards Range
N/A
Annual Fee
$0