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OpenSky® Secured Visa®

Last Updated on October 27, 2025 Credit Needed: No Credit*

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Earn up to 10% cash back on everyday purchases
No credit check required - 89% approval rate with zero credit risk to apply!
Boost your credit score fast-2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
Track your progress with free access to your FICO® score in our mobile app
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Seamless payments-add your card to Apple Pay, Google Pay, and Samsung Pay
Start with just $200-secure your credit line with a refundable deposit
Fast and easy application-apply in minutes with our mobile-first experience
Flexible payment options-pick a due date that works for you
More time to fund-spread your security deposit over 60 days with layaway
Join 1.6 million+ cardholders who have used OpenSky® to build better credit!

OpenSky® Secured Visa® Apply

Card Issued by Other Issuers

The OpenSky® Secured Visa® Review

Card Reviewed by Credit Dad Card Issued by Other Issuers

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This card is	The Secured Consumer card
Card Details	- Network: VISA® - Issuer: Other Issuers - Type: Cards for Bad Credit, Guaranteed Approval, Building Credit, Damaged Credit, No Credit Check
Rate this Card!	total votes: 142
Rewards Unit	Cash
Rewards	Up to 10% cash back* on everyday purchases
Annual Fee	$35*
Credit Needed	No Credit*
Credit Reporting	Yes*
Intro APR (%)	N/A
Intro Period	N/A
Regular APR (%)	24.39% (Variable)*
Grace Period	25 days*
Fees	- Cash advance fee: 5% - Over limit fee: $20 - Returned Payment Fee: $25.00 - Penalty APR: none - Foreign Transaction Fee: 3% of each transaction in U.S. dollars - Cash Advance: Either $6 or 5% of the amount of each cash advance, whichever is greater
Special Notes	*View our Cardholder Agreement located at the bottom of the application page for details of the card.

Other Benefits

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*The review is prepared by CreditDad.com staff. Opinions expressed therein are solely those of the reviewer. Card rates, fees and other information presented is believed to be accurate at the time of the evaluation. We strongly advise you review the fees, terms and conditions of the offer prior to applying for the product.