OpenSky Secured Visa

This credit card is perfect for those who want many benefits and enjoy all related advantages.

Credit Card

OpenSky Secured Visa

Flexible cash back Easy application

Credit card perfect for those who want to enjoy all related advantages.

How to Apply You will remain on the current site

The OpenSky Secured Visa is a great choice if you want to build or rebuild your credit. With no credit check needed to apply, it’s a simple way to get started, even if you don’t have much credit history. 

Plus, the card reports to all three major credit bureaus, helping you improve your score over time. Keep reading to find out more about the benefits, pros, cons, and if this card is the right fit for you!

No credit check to apply

One of the best things about the OpenSky Secured Visa is that there’s no credit check when you apply. 

This is a huge plus for people with no credit history or those trying to rebuild their credit. Most secured cards require a credit check, which can hurt your score if you’re denied. But with OpenSky, you don’t have to worry about that. 

You can apply without the fear of a hard inquiry, which means it’s much easier to get approved. 

Pros and Cons 

Before you decide if the OpenSky Secured Visa is right for you, it’s important to consider both the positives and negatives. While it’s a choice for building credit, there are a few things you might want to keep in mind. Here are some pros and cons:

Pros

• No credit check to apply
• Reports to all three credit bureaus
• Flexible credit limit up to $3,000

Cons

• $35 annual fee
• No welcome bonus
• Limited rewards

How do I know if the opensky secured visa is the best credit card for me?

It’s perfect for people with no credit history or those who have had trouble with their credit in the past. Because it doesn’t require a credit check, it’s easier to get approved. If you’re okay with putting down a refundable security deposit of $200 to $3,000, this card could be a great way to start improving your credit.

The card reports to all three major credit bureaus, which helps you build your credit history. If you want to raise your credit score over time, this card can help. 

While there’s a $35 annual fee and limited rewards, it offers flexibility with credit limit increases and a simple application process, making it a good option for credit-building.

Why do we like this card?

The no credit check feature is especially great for those who have trouble getting approved for other cards. The flexibility with your security deposit is also a bonus—you can start with as little as $200 and increase your limit up to $3,000 if needed.

Another big plus is that the card reports to all three major credit bureaus, which is essential for improving your credit score. 

The ability to keep your credit utilization low with a higher credit limit helps, too. While the $35 annual fee and lack of rewards might be a downside for some, this card is still a solid choice for building credit with fewer hurdles.