Reviews

OpenSky® Secured Visa® credit card review

This card will give you the best opportunity to rebuild your score. And if has a special condition for approvement. Read on to learn more.

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by Julia Bermudez

06/22/2022 | Updated on 10/26/2022

Understanding OpenSky® Secured Visa® credit card: don’t worry about any credit check

opensky secured visa credit card
Read this review to learn about OpenSky Secured Visa credit card. Source: The Post New.

This OpenSky® Secured Visa® credit card review will present to you its benefits and possible disadvantages. If you’re looking for a credit card to help you build a strong credit score, it can be the one. 

opensky secured visa credit card

How to get the OpenSky Secured Visa?

If you need a second chance to use a credit card, OpenSky has a special offer for you. Read this post to learn how you can get it.

  • Sign-up bonus: No welcome bonus for new card members.
  • Annual fee: $35
  • Rewards: This card does not offer any rewards program
  • Other perks: Visa benefits, set emails to remember you about your payments due date. 
  • APR: a variable 20.39% APR for purchases and balance transfers.
  • Fees: Up to 38% max late fee.

Get rid of complicated application processes. This card is straightforward. After all, how will you build your score if no one is willing to give you a credit card? Let’s end this cycle of nonsense with the OpenSky Secured Visa credit card.

OpenSky® Secured Visa® credit card: is it a good card?

If you’re tired of unnecessary bureaucracy, this is the right card. OpenSky will not make complicated requirements to give you a secured credit card. They don’t even make a credit check. 

It seems reasonable that if you’re putting your own money as a guarantee, you don’t need to prove creditworthiness to anybody. The amount you decide to put as a security deposit will equal your credit limit. You set how much you can spend.

Now, you just have to use less than your credit limit and pay always on time. In six months you will already see the difference with a better credit score.

OpenSky® Secured Visa® credit card: should you get one?

woman holding credit card and cellphone
Learn the pros and cons to this card. Source: Freepik.

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Benefits

  • Apply in minutes, and OpenSky will give you an answer right away.
  • Pay a low annual fee.
  • Use your card everywhere Visa is accepted (which is virtually everywhere).
  • Reports to all three credit bureaus, so you’ll build a credit score.
  • Your deposit can be as low as $200, and it has FDIC insurance.

Disadvantages

  • No rewards program
  • No welcome bonus
  • Even if you have a perfect history with OpenSky, there is no upgrading program to an unsecured card.

What is the required credit score?

The best part about this OpenSky® Secured Visa® credit card review is learning that you can get a credit line with no credit check at all. It doesn’t matter which score you have, or even if you don’t have any credit score at all. 

OpenSky® Secured Visa® credit card application

If you have all of the documents in hand, or if you know everything by heart, you will take minutes to apply. It will be faster than listening to your favorite song. The following content will give you more details about the application process and how you can get the OpenSky Secured Visa benefits as you’ve seen in this review.

opensky secured visa credit card

How to get the OpenSky Secured Visa?

If you need a second chance to use a credit card, OpenSky has a special offer for you. Read this post to learn how you can get it.

About the author  /  Julia Bermudez

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