Opensky Secured Credit Visa Card Review

Opensky Secured Credit Visa Card

The OpenSky® Secured Visa® credit card is suitable for people planning their financial future. Building credit has never been easier. If you have plans for a home mortgage, auto loan, or business loan, a good credit history is important. The lender looks for the history of payments on time. So don't wait until you need a loan, start building your credit now. The OpenSky secure Visa card can help you build credit within a few months. Just use the deposit to fund your visa, use it for daily shopping, and then pay monthly. They will report your progress to all 3 major credit bureaus so that your score will improve over time.

Pros & Cons Analysis of Opensky Secured Credit Visa Card


  • qualify with limited/bad credit


  • annual fee need

Opensky Secured Credit Visa Card Highlights

No credit check required: Poor credit can make it difficult for you to qualify for a credit card—in some cases, even a secured credit card. However, it will not prevent you from qualifying for the OpenSky® Secured Visa® credit card, which will not undergo a credit check when you apply. To be sure, there is no guarantee of approval. To qualify, you still need to meet certain requirements. For example, you need to: provide a social security number or personal taxpayer identification number. No bank account required:Most cards require you to have a bank account, which prevents people who don’t have a bank account from getting them. The OpenSky® guarantee Visa card credit card does not. You can use a money order or Western Union to pay the security deposit. However, if you are already using these services, you know that they cost money and will increase over time. 

Lower deposit required: The minimum deposit for the OpenSky® Secured Visa® credit card is US$200 and the credit limit is US$200. With the Capital One Platinum Guaranteed Credit Card, you only need to pay a deposit of US$49, US$9, US$200 to get a credit line of US$200. Cardholders can also pay deposits in installments over time to fund the card in full. By paying on time, you can get a higher credit limit in just six months without the need for additional deposits.

FQA of Opensky Secured Credit Visa Card

  • Does OpenSky increase credit limit?

    You must request all credit increases at OpenSky. In your first year, you can increase your credit limit up to $3,000 for free by sending additional deposits. In the second year, you will pay $25 to change your credit limit.
  • Is OpenSky deposit refundable?

    OpenSky does not require a credit check to apply. OpenSky believes in providing opportunities for everyone. The refundable deposit you provide will become the credit limit on your Visa card and of your own choice, as low as $200.
  • How do I get my deposit back from OpenSky credit card?

    The guarantee card requires a refundable deposit, which in most cases will become your credit limit. Even if the account is not upgraded to an unsecured account, you can still get the deposit back by closing the secured account. The OpenSky® Secured Visa® credit card can help you establish or rebuild credit and does not require a credit check or bank account.
  • What bank does OpenSky credit card use?

    Capital Bank’s OpenSky® Secured Visa® credit card is a good choice to help you rebuild your credit. No credit report is required to apply, so your credit score has nothing to do with traditional credit cards. If you don't have a credit score at all, you may even get approval for this card.

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