OpenSky® Secured Visa® Credit Card
Rating
4.2/5
Welcome Offer
N/A
Annual Fees
$0
Regular APR
24.64% Variable
Credit Score Needed
None, Poor
Pros
No credit check: Approval doesn’t require a credit inquiry or bank accoun
Credit utilization flexibility: Allows deposits up to $3,000 (uncommon for secured cards)
FICO® tracking: Provides free monthly FICO® score updates via its mobile app
Cons
Merchant-locked rewards: Cash back (up to 10%) requires activating offers at specific retailers
Upgrade limitations: Path to unsecured OpenSky® Gold Visa® lacks transparency on terms/benefits
Foreign transaction fees: A 3% foreign transaction fee applies to international purchases
