OpenSky Secured Visa
Credit Card Review
Card Specifications
- Annual Fee
- $35
- APR Range
- 19.89% variable
- Recommended Credit Score
- Limited or Bad Credit
Editorial Review
The OpenSky Secured Visa Card is designed specifically for individuals looking to build or rebuild their credit. Unlike most secured cards, it doesn't require a credit check for approval, making it accessible to those with poor or limited credit history. The card reports to all three major credit bureaus monthly, allowing responsible users to build their credit score over time. While it does carry an annual fee and lacks rewards, its accessibility makes it a solid stepping stone toward better credit.
Pros
- •No credit check required
- •Reports to all three major credit bureaus
- •Low security deposit options available
Cons
- •Annual fee required
- •No rewards program
- •Must pay annual fee upfront
Money Matters Verdict
The OpenSky Secured Visa is an excellent choice for those rebuilding credit who may not qualify for traditional cards. Its no-credit-check policy and consistent reporting to credit bureaus make it ideal for establishing a positive payment history.
Disclaimer: Money Matters provides educational content and credit card reviews to help consumers make informed financial decisions. We may receive compensation when you click on links to products featured on our site. This compensation may impact how and where products appear, but it does not influence our editorial opinions or reviews. All card information is presented without warranty, and you should confirm details directly with the card issuer before applying.