Adam McCann, Financial Writer
@adam_mcan
The best opensky credit card for first-timers is the opensky® Plus Secured Visa® Credit Card. This card is available to people with bad credit, and has a $0 annual fee. The opensky Plus Credit Card also reports to the major credit bureaus monthly, which will help first-timers build credit if they pay the bills on time.
Best opensky First-Time Credit Cards
- opensky® Plus Secured Visa® Credit Card
- opensky® Secured Visa® Credit Card
- opensky® Launch Secured Visa® Credit Card
In general, your odds of being approved for a credit card as a first timer should be good as long as you choose a card available to people with limited credit, you have a steady income, and you meet other basic requirements like being at least 18 years old and having an SSN or ITIN. Opensky might have other requirements, though, and approval is never guaranteed.
You can learn more about the best first-time credit cards on WalletHub.
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People also ask
What is a good APR for a first credit card?
A good APR for a first credit card is anything below 20%. Most first-timers have no credit history, so they need to prove themselves as responsible borrowers before getting a really low APR. However, there are some exceptions. Student cards also give lower rates, but you have to be a student to get one. Another way to get a good APR for a first credit card is to apply for a secured card.
It’s worth pointing out...
read full answer by Lawrence, Wallethub Credit Card AnalystCan anyone get the opensky?
No, not just anyone can get the opensky. The opensky is meant for people with bad credit, so it’s easier to get approved for than the average credit card offer, yet approval is not guaranteed as you will need to have enough income for monthly bill payments, among other requirements.
What You Need to Get the opensky
- Enough income to afford minimum monthly credit card payments after paying other bills
- U.S....
Does opensky approve everyone?
Opensky doesn’t approve everyone who applies for a card. Although opensky credit cards don't check your credit history, and anyone with a Social Security number or Individual Taxpayer Identification number can apply, you can still get denied based on your age, residency, income, or existing relationship with the issuer.
Basic opensky Approval Requirements
- Be at least 18 years old
- Have a physical U.S. address (no P.O. boxes)
- Provide proof of income to make the...
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