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OpenSky® Secured Visa® Credit Card: Is It Worth It? [2025]
Jessica Merritt
Jessica Merritt
Senior Editor & Content Contributor
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A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
Michael Y. Park is a journalist living in New York City. He’s traveled through Afghanistan disguised as a Hazara Shi’ite, slept with polar bears on the Canadian tundra, picnicked with the king and que...
Born in the San Francisco Bay Area and raised in Colorado, Ben has been an avid traveler since infancy. His upbringing emphasized travel to grow as a well-rounded person via many family road trips and...
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OpenSky® Secured Visa® Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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None
$35
24.14% Variable
OpenSky® Secured Visa® Credit Card
A secured credit card geared toward helping build credit or rebuild it, which does not require a credit check to get.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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Summary
The OpenSky Secured Visa card can be a starting point to building or rebuilding credit without a credit check. But other secured cards may offer better long-term value, as this card has a $35 annual fee, limited credit limit flexibility, and no path to upgrading to an unsecured card.
Card Details
Card Snapshot
Welcome Bonus & Info
No credit check
Reports to all 3 credit bureaus
Credit-building tools
$35 annual fee
Pros & Cons
Pros
No credit check
Reports to all 3 credit bureaus
Credit-building tools
Cons
$35 annual fee
No opening to upgrade to an unsecured card
$25 fee for credit limit changes after the first year
Great Card If
You have bad credit or no credit history.
You want control over your credit limit.
You want to establish a positive payment history to build credit.
Don’t Get If
You want to avoid an annual fee.
You eventually want to upgrade your card to an unsecured one.
You plan to adjust your credit limit.
OpenSky Secured Visa Card: Is It Worth It?
The OpenSky Secured Visa card can be a good card if you need to build or rebuild credit without a credit check. You can set your credit limit with a refundable security deposit of $200 to $3,000, and your account activity is reported to all 3 major credit bureaus each month.
However, it charges a $35 annual fee and has a $25 fee for credit limit changes after your first year. There’s no option to upgrade to an unsecured card or earn rewards.
OpenSky Secured Visa Card Top Benefits and Perks
This card is primarily suitable for individuals whose credit needs improvement, offering credit-building features to help cardholders stay on track.
No Credit Check
OpenSky doesn’t perform a credit check when you apply for the OpenSky Secured Visa card, so you don’t get a hard credit inquiry. That makes the card more accessible if you have bad credit or a limited credit history.
Deposit-Based Credit Limit
Your credit limit is equal to your refundable security deposit, which can range from $200 to $3,000. The limit grows when you add to your deposit, though OpenSky charges a $25 fee if you increase your limit after the first year.
Credit Reporting
OpenSky reports your account activity to all 3 major credit bureaus (TransUnion, Equifax, and Experian) each month when your billing statement is generated. You can improve your credit rating with on-time payments each month.
Credit-Building Tools
The OpenSky app offers features including autopay setup, payment alerts, credit goal tracking, and access to your credit score. You can use these to stay on top of payments and monitor your credit-building progress.
Digital Wallet Compatibility
The OpenSky Secured Visa card can be added to Apple Pay and Google Wallet, allowing you to tap to pay and use your card seamlessly online.
Alternative Cards to the OpenSky Secured Visa Card
With a $0 annual fee and a security deposit of $49 to $99 for a $200 credit line, the Capital One Platinum Secured Credit CardInformation collected independently. Not reviewed by Capital One. is an easy secured card to open. If you make consistent on-time payments for as little as 6 months, you can access a higher credit limit without making an additional deposit. When you’re ready, you may be able to upgrade your card to the unsecured Capital One Platinum Credit CardInformation collected independently. Not reviewed by Capital One..
The Citi Secured card has no annual fee and a security deposit as low as $200. You can get free access to your FICO score, and your account activity is reported to all 3 major credit bureaus. Citi offers a flexible payment due date at the beginning, middle, or end of the month, which you can choose.
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