OpenSky · Building credit
OpenSky Secured Visa
Secured card with no credit check at all to apply, the most accessible option in the lineup for damaged or nonexistent credit.
Welcome bonus
No welcome bonus; card is built for no-credit-check approval
Rates & fees unavailable
Terms & pricing
- Annual fee
- $35Rates & fees unavailable
- Purchase APR
- 21.14%–24.14% variable APRRates & fees unavailable
- Intro APR on purchases
- NoneRates & fees unavailable
- Balance transfer
- NoneRates & fees unavailable
- Foreign transaction fee
- 3%
- Welcome bonus value (est.)
- $0Rates & fees unavailable
- Est. first-year value
- $0
- Est. ongoing annual value
- $0
Rewards (No rewards)
No rewards program.
Benefits & protections
No added benefits.
What we'd flag
- $35 annual fee, higher than several competing secured cards
- No rewards program and a 3% foreign transaction fee
Where these numbers come from
Terms retrieved Sep 4, 2026 and verified Sep 7, 2026 by tom.brune@gmail.com.