All About the OpenSky Secured Visa

Rebuild your credit with confidence—discover how the OpenSky® Secured Visa® Credit Card can help you achieve your financial goals!

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With no credit check required for approval, this card ensures accessibility to a broader range of users, even those with poor credit or no credit history.


opensky secured

Disclaimer: You will be redirected to the official website.


  • No Credit Check: Approval doesn’t require a credit inquiry, making it a great choice for those with damaged or limited credit history.
  • Reports to Credit Bureaus: Payments are reported to all three major credit bureaus, helping improve your credit profile over time.
  • Low Minimum Deposit: Start with a refundable security deposit as low as $200.
  • Wide Acceptance: As a Visa card, it is accepted at millions of locations worldwide.
  • No Bank Account Required: Security deposits can be made via money order, check, or wire transfer, making it accessible for those without traditional banking.



The OpenSky® Secured Visa® Credit Card is a simple yet effective tool designed for individuals rebuilding their credit or establishing a financial foundation. Unlike traditional credit cards, OpenSky doesn’t require a credit check for approval, ensuring accessibility for a wide audience. The refundable security deposit, starting at $200, sets your credit limit, offering flexibility based on your financial capability.

What sets OpenSky apart is its monthly reporting to all three major credit bureaus. This feature provides a clear path to improving credit scores through on-time payments and responsible usage. Its annual fee of $35 is relatively low compared to other secured cards, making it a budget-friendly option.

While the card doesn’t offer rewards or an upgrade path to unsecured credit, it excels in its primary purpose: helping users rebuild or establish credit. For those focused on improving their financial health, the OpenSky® Secured Visa® is a reliable stepping stone.


  1. Visit the Official Website: Navigate to the OpenSky application page.
  2. Complete the Application: Provide your personal, financial, and contact details.
  3. Set Your Deposit Amount: Choose your refundable security deposit, starting at $200.
  4. Submit Your Deposit: Use money order, check, or wire transfer to fund your account.
  5. Await Approval: Most applications are processed within a few business days.

Disclaimer: You will be redirected to the official website.


The OpenSky® Secured Visa® stands out for its commitment to helping users establish or rebuild credit. By reporting payments to all three credit bureaus, cardholders can improve their credit scores significantly over time. Responsible use of this card provides a strong foundation for transitioning to better financial products in the future.

Benefits Breakdown

FeatureDetails
Annual Fee$35
APR22.64% Variable
Deposit Range$200–$3,000
ReportingMonthly to Experian, Equifax, and TransUnion
Credit CheckNot Required
Foreign Transaction Fee3%

The security deposit is the backbone of the OpenSky® Secured Visa®. It determines your credit limit and provides collateral for the card issuer.

  • Minimum Deposit: $200.
  • Maximum Deposit: $3,000.
  • Refundable: The deposit is returned when the account is closed, provided there’s no outstanding balance.

This structure ensures that individuals with limited credit history or poor credit can access a credit card while learning responsible financial habits.


The OpenSky® Secured Visa® can help boost your credit score when used responsibly. Follow these tips for maximum benefits:

  • Pay on Time: On-time payments are the most important factor for credit score improvement. Set reminders or automate payments to avoid missing due dates.
  • Maintain Low Credit Utilization: Keep your card balance under 30% of your credit limit to show responsible usage.
  • Monitor Your Credit Reports: Check your reports regularly to track progress and dispute any errors.
  • Avoid Carrying a Balance: Pay off your statement in full each month to avoid interest charges.

By adhering to these practices, you’ll maximize the benefits of the OpenSky® card and improve your credit profile over time.


The OpenSky® Secured Visa® Credit Card is a practical choice for individuals looking to build or repair their credit. With no credit check required and flexible deposit options, it’s one of the most accessible secured cards on the market. Its monthly credit reporting ensures your efforts are recognized by major bureaus, paving the way for a stronger credit profile.

While it lacks rewards and an upgrade path, its low annual fee and straightforward terms make it a reliable tool for credit rebuilding. For those committed to financial improvement, the OpenSky® Secured Visa® provides a dependable foundation to achieve long-term success.

Ultimately, this card is a stepping stone for anyone focused on financial growth. By using it responsibly, you can take significant strides toward a healthier credit future.


The card has an annual fee of $35.

No, there is no credit check required for approval.

Your deposit, starting at $200, sets your credit limit and is fully refundable when the account is closed with no outstanding balance.

Yes, regular on-time payments are reported to the three major credit bureaus, helping improve your score.

In addition to the $35 annual fee, there’s a 3% foreign transaction fee and up to $38 late payment fee.

Approval usually takes a few business days once the security deposit is submitted.

The maximum limit is $3,000, based on the security deposit provided.

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