VISAVisa Traditional
OpenSky Secured Visa Credit Card
- Annual Fee
- $35
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $35
- Authorized User Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Visa Traditional
- Credit Required
- Poor
Earning Rates
- 0X
All Other
No fixed earn rate on purchases. no base rate, categories, or caps stated — likely merchant-linked offers) plus a limited-time $20 welcome bonus for funding $300 same-day. 0 base kept;
Benefits & Perks
Insurance & Protections
2 protectionsZero 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 | 23.89% (Variable) |
| Cash Advance APR | 23.89% (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)
- +85.91% average approval rate (Q1 2025, per the issuer)
- +Reports to all 3 credit bureaus
- +Wide acceptance with Visa network
Cons
- -$35 annual fee reduces the value of your deposit
- -No flat cash back rate; opensky Rewards pays up to 10% only on specific merchant offers
- -3% foreign transaction fee
- -Higher APR (23.89%) than credit union alternatives
- -No welcome bonus
- -No clear upgrade path to unsecured card
Who It's Best For
Best For
- People with very poor credit or no credit history who want to apply without a credit check
- 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
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Opensky Issuer | — | Opensky Issuer |
| Opensky Issuer | — | Opensky Issuer |
| Financebuzz Review | — | Financebuzz Review |
| WalletHub | — | WalletHub |
| RewardsCC API | — | RewardsCC API |
| Opensky Issuer | Opensky Issuer |