No Credit Check
No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
No Credit Check
No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
Limited History, Bad Credit
$200
19.64% (V)
by John Kiernan
October 3rd, 2022
Reasonable $35 annual fee
$200 minimum deposit
3% foreign transaction fee
| cash advance fee | 5% (min $6) |
| cash advance APR | 19.64% (V) |
| foreign transaction fee | 3% |
| smart chip | Yes, chip-and-signature |
| max late fee | $38 |
| max overlimit fee | $0 |
| max penalty APR | None |
No credit check to apply and find out instantly if you are approved.
OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
Get considered for a credit line increase after 6 months, with no additional deposit required
You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
Easy application, apply in less than 5 minutes right from your mobile device
Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
* View the cardholder agreement
Can't find what you are looking for? Submit your question about OpenSky® Secured Visa® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
The OpenSky card's late fee is up to $38. You will be charged with it if you fail to pay your monthly minimum by its due date.
To avoid being late with your payments, I suggest setting up autopay from your online account or via the OpenSky Mobile app for iOS and Android.
You can unblock your OpenSky credit card by calling 1-800-859-6412 or the number on the back of your card.
You could also send OpenSky a request to unblock your card via mail to the following address:
OpenSky Card Services
PO Box 9224
Old Bethpage, NY 11804-9224
Share your insights and review the OpenSky® Secured Visa® Credit Card
Nothing is good about this card. The customer service is terrible, if you want to talk to someone you're gonna be on the phone with robots for 15 minutes minimum. You want to get your pin? no email no text, you wait 7-10 days for it to come in SNAIL MAIL. You want to get online access? Don't forget that pass, you mess it up you're on the phone with customer service to get it unlocked. You get a little mad about being on the phone for 30 minutes just to talk to an Indian call center? Too bad they'll hang up you gotta do the whole thing again. Get literally any other secured card. You do not want this one.
Everything was upfront, fees are reasonable, and I was accepted with a 1k deposit despite having been denied for secured cards from major banks because my baddies were too fresh. Came in 9 days, in time for a trip where I needed it for car rentals. Real happy about that! It even comes across as an airline reward cards, unlike a Chime or Greendot credit card- and works overseas unlike them. No looking like a bum... Website isn't as polished as some banks, but it works fine. They do hold your payment for 5 business days. They clearly inform you this. It protects them from retuned/disputed payments. If this is an issue, consider a larger deposit. Likewise for international car rentals, that's why mine is so high. It took a while to report, went from low 500s to low 600s. Already have a Cap One $300 unsecured and qualified for a CU secured rewards card that converts. After my baddies age off, I'll be good for a VA loan. Thanks to OpenSky.
To help potential applicants learn more about the OpenSky Secured Credit Card, WalletHub posed the following questions to a panel of experts. You can see who they are and what advice they had to share below.
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Oct 3rd, 2022 at 14:52 ET
Your web browser (Internet Explorer) is out of date and no longer supported.
Please download one of these up-to-date, free and excellent browsers:
