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.
Pros
- 21.89% APR for purchases and balance transfer
- 25 days grace period
Cons
- $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)
Verdict
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.
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