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VISA

Visa Traditional

OpenSky Secured Visa Credit Card

$35

Annual Fee

At a Glance

Annual Fee

$35

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Credit Required

Poor

Benefits & Perks

Insurance & Protections

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

Details & Terms

Payment Terms

Purchase APR	25.64% (Variable)
Cash Advance APR	25.64% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Reviews & Analysis

Pros and Cons

Pros

+No traditional credit check required for approval
+No bank account required (pay via money order or debit)
+89% approval rate (highest in secured card category)
+Proven results with 47-point average score increase in 6 months
+Reports to all 3 credit bureaus monthly
+Wide acceptance with Visa network

Cons

-$35 annual fee reduces the value of your deposit
-No rewards or cash back on purchases
-3% foreign transaction fee
-Higher APR (25.64%) than credit union alternatives
-No welcome bonus

Media & Resources

Card Design

OpenSky Secured Visa Credit Card card art from issuer website

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source
—	—	View source
—	—	View source

Explore More

See all Opensky cards →Browse all card categories →Browse all card benefits →Browse all credit cards →

VISA

Visa Traditional

OpenSky Secured Visa Credit Card

$35

Annual Fee

At a Glance

Annual Fee

$35

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Credit Required

Poor

Benefits & Perks

Insurance & Protections

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

Details & Terms

Payment Terms

Purchase APR	25.64% (Variable)
Cash Advance APR	25.64% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Reviews & Analysis

Pros and Cons

Pros

+No traditional credit check required for approval
+No bank account required (pay via money order or debit)
+89% approval rate (highest in secured card category)
+Proven results with 47-point average score increase in 6 months
+Reports to all 3 credit bureaus monthly
+Wide acceptance with Visa network

Cons

-$35 annual fee reduces the value of your deposit
-No rewards or cash back on purchases
-3% foreign transaction fee
-Higher APR (25.64%) than credit union alternatives
-No welcome bonus

Media & Resources

Card Design

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source
—	—	View source
—	—	View source

Explore More

See all Opensky cards →Browse all card categories →Browse all card benefits →Browse all credit cards →

VISA

Visa Traditional

OpenSky Secured Visa Credit Card

$35

Annual Fee

At a Glance

Annual Fee

$35

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Credit Required

Poor

Benefits & Perks

Insurance & Protections

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

Details & Terms

Payment Terms

Purchase APR	25.64% (Variable)
Cash Advance APR	25.64% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Reviews & Analysis

Pros and Cons

Pros

+No traditional credit check required for approval
+No bank account required (pay via money order or debit)
+89% approval rate (highest in secured card category)
+Proven results with 47-point average score increase in 6 months
+Reports to all 3 credit bureaus monthly
+Wide acceptance with Visa network

Cons

-$35 annual fee reduces the value of your deposit
-No rewards or cash back on purchases
-3% foreign transaction fee
-Higher APR (25.64%) than credit union alternatives
-No welcome bonus

Media & Resources

Card Design

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source
—	—	View source
—	—	View source

Explore More

See all Opensky cards →Browse all card categories →Browse all card benefits →Browse all credit cards →

No clear upgrade path to unsecured card

Who It's Best For

Best For

✓People with very poor credit or no credit history seeking guaranteed approval
✓Those without a bank account who need a credit-building option
✓Anyone who has been denied elsewhere and needs a fresh start

Not Ideal For

✗People who can qualify for no-fee secured cards like Capital One Secured
✗International travelers (3% foreign transaction fee)
✗Those seeking rewards or cash back on purchases

No clear upgrade path to unsecured card

Who It's Best For

Best For

✓People with very poor credit or no credit history seeking guaranteed approval
✓Those without a bank account who need a credit-building option
✓Anyone who has been denied elsewhere and needs a fresh start

Not Ideal For

✗People who can qualify for no-fee secured cards like Capital One Secured
✗International travelers (3% foreign transaction fee)
✗Those seeking rewards or cash back on purchases

No clear upgrade path to unsecured card

Who It's Best For

Best For

✓People with very poor credit or no credit history seeking guaranteed approval
✓Those without a bank account who need a credit-building option
✓Anyone who has been denied elsewhere and needs a fresh start

Not Ideal For

✗People who can qualify for no-fee secured cards like Capital One Secured
✗International travelers (3% foreign transaction fee)
✗Those seeking rewards or cash back on purchases