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If you have bad credit or no credit history, the OpenSky® Plus Secured Visa® Credit Card is a great option with flexible payment due dates.

OpenSky® Plus Secured Visa® Credit Card: No Annual Fee, No Credit Check, Refundable Deposit.

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The OpenSky® Plus Secured Visa® Credit Card is an excellent choice to build or rebuild their credit, especially those with poor credit or no credit history. Its most marketable features include no annual fee, no credit check required, a refundable security deposit, and free access to your FICO Credit Score. The card also offers flexible payment due dates and the opportunity for a credit line increase!

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Check out some of the benefits you’ll get with the OpenSky® Plus Secured Visa® Credit Card.

Reports to all 3 major credit bureaus monthly.
Easy application, apply in less than 5 minutes.
No annual fee.
Qualify with limited/bad credit.

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A secured credit card requires a security deposit, which becomes your credit limit. If you make purchases with the card and pay them off on time, it can help you build your credit. The security deposit is refundable when you close the account.

The minimum security deposit for the OpenSky® Plus Secured Visa® Credit Card is $300, but you can pay it in installments.

To qualify for the OpenSky® Plus Secured Visa® Credit Card, you don’t need to have a bank account or undergo a credit check. However, you do need to provide a refundable security deposit. The security deposit determines your credit limit, and the issuer holds it as collateral in case you fail to pay your bill. The minimum security deposit required for the OpenSky® Plus Secured Visa® Credit Card is $300, which is higher than some other secured credit cards. You can pay the deposit in installments, but you must pay the full amount within 60 days. Once you’ve demonstrated responsible card use, such as paying your bill on time, you can be considered for an unsecured credit line increase after six months without requiring an additional deposit.

By using the card responsibly and making on-time payments, you can demonstrate creditworthiness and improve your credit score. The card reports to all three major credit bureaus monthly.

Yes, your security deposit is refundable when you close your account, as long as you have paid your balance in full. The refund can take up to 10 business days to process.

Don’t wait any longer to start improving your credit. Access our application guide for the OpenSky® Plus Secured Visa® Credit Card and get started today.

OpenSky® Plus Secured Visa® Credit Card

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.

Take a glance at the Capital One Quicksilver Cash Rewards Credit Card if you’re seeking a rewards-focused credit card. 

This credit card offers unlimited 1.5% cashback on all purchases, regardless of spending limits or categories. 

Additionally, the card includes a 0% APR promotion and a substantial sign-up bonus. It’s an excellent travel companion since it doesn’t charge any foreign transaction fees and has no annual fees. 

If you want to learn more about this credit card, follow the link below to read our review of the Capital One Quicksilver Cash Rewards Credit Card.

Quicksilver Rewards card

How to get your Quicksilver Rewards Card

Getting the Quicksilver Rewards Card from Capital One is simple and easy. Learn how to apply today and get started on earning rewards!

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