opensky® Secured Visa® Credit Card
opensky · VISA · traditional
The opensky® Secured Visa® Credit Card is a credit card from opensky on the VISA network. It has an annual fee of $35. It earns up to 10% on everything else.
Key facts
- Annual fee
- $35
- Purchase APR
- 23.89% (variable)
- Credit needed
- N/A, No Credit
- Network
- VISA
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Everything else | up to 10% | Earn up to 10% cash back on everyday purchases |
Benefits and perks
- opensky® Secured Visa® Credit Card Rates and Fees
- Earn up to 10% cash back on everyday purchases
- No credit check required – 89% approval rate with zero credit risk to apply!
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with just $200—secure your credit line with a refundable deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 2 million+ cardholders who have used opensky® to build better credit!
Rates and fees
Annual membership fee: $35. Purchase APR: 23.89% (variable), based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 30 Aug 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the opensky® Secured Visa® Credit Card
What is the annual fee on the opensky® Secured Visa® Credit Card?
The opensky® Secured Visa® Credit Card has an annual fee of $35.
What rewards does the opensky® Secured Visa® Credit Card earn?
The opensky® Secured Visa® Credit Card earns up to 10% on everything else.
What credit score do you need for the opensky® Secured Visa® Credit Card?
The opensky® Secured Visa® Credit Card is generally listed for applicants with n/a or no credit credit. Approval also depends on income and the issuer's own criteria.
Is the opensky® Secured Visa® Credit Card worth it?
The opensky® Secured Visa® Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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