How secure/safe is the OpenSky Secured card?

The OpenSky Visa Card is safe. It offers the same $0 liability guarantee as any other credit card. In other words, if unauthorized purchases are made on your account, you won’t have to pay for them.

It is worth noting that OpenSky currently doesn’t come with an embedded computer chip. But that shouldn’t be too big of a concern. Traditional magnetic stripe credit cards are plenty secure, especially with the backing of $0 liability protection. You can learn more about why that’s the case here.

At the end of the day, even if other cards may be slightly more secure, that concern does not outweigh the importance of getting approved for a credit card and beginning to add positive information to your credit reports each month. So if you have very damaged credit and can’t get approved for a cheaper secured card, OpenSky is a solid choice.