OpenSky Secured Visa Credit Card: A Simple Way to Build Credit

If you’re looking to build or rebuild your credit, the OpenSky® Secured Visa® Credit Card might be exactly what you need. It’s designed for people starting their credit journey or bouncing back from financial challenges. With no credit check required, it’s accessible to just about anyone. Let’s dive into what this card offers and see if it’s right for you.

Why Consider the OpenSky Secured Visa?

This card helps you turn things around by focusing on what matters: building good credit habits. OpenSky sends reports to all three major credit bureaus (Experian, Equifax, and TransUnion), which means every on-time payment you make can help improve your credit score.

Key Features

  1. Easy Approval Process

The biggest win here? No credit check. That’s right. Your past credit struggles won’t hold you back when applying for this card.

  1. Flexible Security Deposit

Your refundable security deposit sets your credit limit.

  • Minimum Deposit: $200
  • Maximum Deposit: $3,000
  • You can even fund the deposit over time if you don’t have the full amount upfront.
  1. Low Annual Fee

At $35 per year, the annual fee is reasonable compared to similar credit-building cards.

  1. Digital Convenience

Want to tap your card instead of swiping? You can add the OpenSky card to digital wallets like Apple Pay, Google Pay, and Samsung Pay for quick and easy payments.

What’s in It for You?

  1. Build Your Credit

OpenSky says most cardholders see their credit scores go up—by an average of 41 points in just three months. That’s a great confidence boost if you’re trying to get back on track.

  1. Earn Cashback Rewards

Who doesn’t love earning a little something extra? You can snag up to 10% cashback on certain purchases. (Check the fine print for which purchases qualify.)

  1. Free FICO® Score Access

Want to keep an eye on your progress? You’ll get free monthly updates on your FICO® Score through the OpenSky app.

  1. Flexible Funding

Don’t have $200 lying around? No problem. You can spread your deposit into smaller payments over 60 days.

A Few Things to Keep in Mind

Here are a few things to think about before applying:

  1. High APR
  2. The interest rate is 25.64%, which is pretty steep. If you tend to carry a balance, this might not be the best choice. To avoid interest, aim to pay off your balance in full each month.
  3. Credit Limit Tied to Deposit
  4. Since this is a secured card, your spending power depends on your deposit amount. If you’re looking for a card with a higher limit, you might outgrow this one quickly.
  5. Mixed Reviews on Customer Service
  6. Some users have reported delays with card delivery and trouble reaching customer service. While not everyone has these issues, it’s something to consider.

How to Apply for the OpenSky Visa Card

Getting started is straightforward:

  1. Go to the OpenSky Website: Visit OpenSkyCC.com to start your application.
  2. Fill Out Your Info: No credit check means the application focuses on your basic details and financial information.
  3. Submit Your Deposit: Choose how much to deposit ($200–$3,000), and fund it upfront or in smaller chunks over 60 days.
  4. Activate Your Card: Once you’re approved, you’ll get your card in the mail.

Is This Card Right for You?

This card is a great fit if you:

  • Want to build or rebuild your credit but don’t want a credit check holding you back.
  • Can handle the refundable deposit and $35 annual fee.
  • Prefer simple tools like free FICO® Score tracking and no-frills credit building.

FAQs

  1. Do I need good credit to get this card?

No! That’s the beauty of it—there’s no credit check, so anyone can apply.

  1. How much does it cost to get started?

The minimum deposit is $200, and there’s a $35 annual fee.

  1. Can this card help me improve my credit score?

Yes! OpenSky reports to three major credit bureaus, and many cardholders see their scores go up after a few months of responsible use.

  1. How do I avoid interest charges?

Pay your balance in full each month to avoid the 25.64% APR on purchases.

  1. Can I use this card internationally?

Yes, the card is accepted anywhere Visa is, including overseas. However, always check for foreign transaction fees before traveling.