Credit Cards
OpenSky® Plus Secured Visa® Credit Card review: get access to free credit score monitoring
Want to improve your credit score? Then read this OpenSky® Plus Secured Visa® Credit Card review and learn how this card can help you with that.
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by Danilo Pereira
A credit-building card with no annual fee and flexible payment due dates
In this OpenSky® Plus Secured Visa® Credit Card review, we’ll explore its standout features, including no annual fee and flexible payment due dates. Check it out!
How to get your OpenSky® Plus Secured Visa®?
Follow our OpenSky® Plus Secured Visa® Credit Card application guide to get this card and start improving your credit.
- Credit Score: Poor to Excellent (300-850)
- APR: 29.24% Variable
- Annual Fee: $0.
- Fees: 3% foreign transaction fee
- Welcome bonus: None.
- Rewards: None.
The OpenSky® Plus Secured Visa® Credit Card is best for those with poor credit or are unbanked, looking to build or rebuild their credit. Read this full review and find out whether this card is for you.
OpenSky® Plus Secured Visa® Credit Card: how does it work?
If you’re looking for a credit card to help build your credit, the OpenSky® Plus Secured Visa® Credit Card might be the right choice for you.
With no annual fee and requiring no credit check, this card is accessible to many people who may have bad credit. Even if you have a thin credit history, or no credit history at all you can apply.
However, there is a hefty $300 minimum security deposit requirement to obtain this card, which may be a financial burden for some.
The card also lacks rewards and has poor upgrade options, with no unsecured credit line increase available.
The good news is that the security deposit is refundable. You can also make smaller partial payments towards funding your security deposit over 60 days.
Additionally, 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments. Also, you can monitor your credit progress with free access to your FICO Credit Score.
OpenSky reports to all 3 major credit bureaus monthly to establish and build credit history.
The OpenSky® Plus Secured Visa® Credit Card is a secured credit card with an ongoing APR of 29.24% Variable APR.
It also has a foreign transaction fee of 3% of each Transaction in US dollars. It’s important to consider your personal financial situation and credit goals when deciding whether this card is right for you.
So our OpenSky® Plus Secured Visa® Credit Card review suggests it’s a great pick for those with poor or no credit. It is also good if you are looking for an opportunity to improve your credit score.
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Significant benefits and disadvantages you may find
Ready for the high point of our OpenSky® Plus Secured Visa® Credit Card review? Time to compare this card’s benefits and disadvantages. Check it out!
Benefits
- No annual fee.
- Qualify with limited/bad credit.
- Reports to all 3 major credit bureaus monthly.
- Easy application, apply in less than 5 minutes.
Disadvantages
- Requires minimum deposit.
- Relatively steep security deposit.
- No rewards.
- Poor upgrade options.
Is a good credit score required for applicants?
No. The OpenSky® Plus Secured Visa® Credit Card is an excellent card for individuals who want to build credit. So it does not matter what your credit score is when you apply for this card.
Learn how to apply and get a OpenSky® Plus Secured Visa® Credit Card
Like what you’ve seen in this Check out this OpenSky® Plus Secured Visa® Credit Card review? Don’t wait to start building your credit!
Our OpenSky® Plus Secured Visa® Credit Card review has all the info you need to apply, including our handy application guide. Just click below!
How to get your OpenSky® Plus Secured Visa®?
Follow our OpenSky® Plus Secured Visa® Credit Card application guide to get this card and start improving your credit.
About the author / Danilo Pereira
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