OpenSky® Secured Visa® Credit Card

intro purchase APR no intro offerregular APR21.89 - 21.89% (V)
Either $6 or 5% of the amount of each cash advance, whichever is greater
bad credit required

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

Editors Review

Security deposit is between $200 and $3,000 – your credit limit will be equal to your deposit.


  • 21.89% APR for purchases and balance transfer
  • 25 days grace period


  • $35 annual fee – that is a small fee for a secured card, but it is still a drawback
  • 3% Foreign transaction fee
  • Credit line change fee is $25 for every change (either increase or decrease)


A good secured card option for those with bad credit. An APR of 21.89% is one of the lowest APR for a secured card you can get. 

Last updated: 03/10/2023

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