OpenSky® Secured Visa® Credit Card

OpenSky Secured Visa® Credit Card| Secured Card to build credit

Credit needed
Annual Fee

Card Summary

The Open Sky no credit check secured credit cards may not offer you fancy rewards or big privileges, but it has some useful benefits. Let's take a closer look:

Building Credit

Aligned with industry norms, the OpenSky Secured Card takes credit reporting seriously. It diligently reports all essential account activities to the three major credit bureaus. This thorough reporting encompasses critical aspects such as balances, payments, and the overall status of the account. The true value of this reporting becomes evident over time as it contributes positively to the establishment of a robust credit history. Of course, this is contingent on responsible card usage and managing your financial activities with prudence.

Accepted Everywhere

With the Open Sky no credit check secured credit cards, you're part of the Visa network. It means wherever you see that Visa sign, you're good to go. Also, there are some Visa perks like protection against fraud, help if you lose your card, quick replacements in emergencies, and access to discounts.

Your Spending, Your Call

Your spending limit with this card is like a match to your security deposit. You can choose a limit as low as $200 or as high as $3,000. If you want more, you can ask for a higher limit by adding more amount in your deposit.

Authorized User Privilege

Functioning as the primary cardholder introduces the option to include an authorized user within the OpenSky Secured Credit Card account. This benefit delegates the primary cardholder's responsibility to share the advantages and responsibilities related to the card, effectively extending its utility to a trusted associate.

Moving On Up

After six months of having the OpenSky Secured Credit Card, you might receive an invitation for an upgrade to the OpenSky Gold Visa Unsecured Credit Card. The best part is that you don't need to fill out another application or wait for approval, it's all taken care of. If you get the invite, you simply need to accept. However, it's essential to know the OpenSky Gold Visa comes with a $59 yearly fee.

Card Summary - Cons

While the OpenSky Secured Credit Card offers several benefits, it's essential to consider the potential drawbacks as well. Here are some of the negatives of this card:

  1. Annual Fee: The OpenSky Secured Card charges an annual fee of $35. While this fee is relatively low compared to some other secured credit cards, it's still an additional cost to consider.
  2. No Rewards: The OpenSky Secured Credit Card does not offer any rewards or cashback programs. If earning rewards is an important factor for you, this card is not the best choice.

Limited Upgrade Options: The OpenSky Secured Credit Card does not provide an option to upgrade to an unsecured card. You have to apply for a different credit card to access additional benefits and features.

Rates and fees

Issuer Name
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Credit Needed
Balance Transfer Fee
Annual Fee
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Comparative Analysis with Other Cards


The OpenSky Secured Credit Card unveils a blueprint for financial progress. It outlines a path toward credit growth, prudent fiscal choices, and the incremental advancement of a credit profile that reflects one's commitment to financial stability. By capitalizing on its features and integrating them into useful financial practices, you lay the foundation for a prosperous financial trajectory that fulfills your aspirations.

Be part of a journey that brings technology and professionals together and forges a path toward financial triumph. Bright Builder enables credit enhancement through pristine payment history, all at 0% APR and reported to major bureaus. The Personal Money Plan, steered by professionals, offers a step-by-step roadmap for reducing debt and accelerating savings, all attuned to your financial needs.

Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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