The OpenSky Secured Visa Credit Card is designed for individuals dealing with financial challenges, making it ideal for those looking to rebuild, establish, or enhance their credit scores. If you maintain a positive credit history while using the card, you can upgrade to the OpenSky Gold Visa Unsecured Credit Card after six months. This emphasizes responsible credit management, making it a valuable tool for demonstrating creditworthiness and working towards better financial health.
This card is great for everyday purchases and gives individuals who have faced credit challenges a chance to change their situation, by offering an easy approval process and focusing on responsible credit usage. One significant advantage is that you can get a limit of up to $3,000, depending on you security deposit. On top of that, you can earn up to 10% cash back rewards on selected OpenSky Rewards merchant offers.
Easy ApprovalKey Features
- Earn Up To 10% Cash Back Rewards;
- For Any Type of Credit History;
- Refundable Security Deposit;
- Customizable Credit Limit;
- Helps Improve Your Credit Score;
- Easy and Fast Approval;
- Reports To Major Credit Bureaus;
- Free Monthly Access To Your FICO Score;
- 24/7 Online Access;
- International Coverage.
Fees and Charges
- Annual Fee: $35
- APR: 25.64%
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Cash Advance Fee: $6 or 5% of the amount of each Cash Advance
Why Should You Get The OpenSky Secured Visa Credit Card?
Its easy approval process, credit-building potential, and straightforward terms make it a user-friendly option. If you’re committed to improving your credit and want a reliable tool to help you on that journey. Here are some reasons why this is a worthy consideration:
- Easy Approval Process: one of the key benefits of it is the lack of a credit check. This makes it accessible to those who are struggling financially;
- Credit Building Potential: it is designed with credit building in mind. By reporting to all three major credit bureaus – Experian, Equifax, and TransUnion – it helps cardholders improve their credit scores with responsible use. Timely payments and maintaining a low balance can significantly enhance your credit profile over time;
- Customizable Credit Limit: minumum limit of $200 and maximum of $3,000, according to you security deposit. This allows you to manage your spending better;
- Simple and Straightforward Terms: it comes with clear terms and conditions. There are no complicated rewards programs or hidden fees, making it easier to understand and manage. This simplicity is particularly beneficial for those new to credit or those who have struggled with credit management in the past;
- Online Account Management: you can monitor your balance, make payments, and track your spending anytime, anywhere. This accessibility helps you stay on top of your financial situation, reducing the risk of missed payments and overspending;
- Fraud Protection: it includes zero-liability fraud protection, ensuring you won’t be held responsible for unauthorized charges;
- Unsecured Card Upgrade: upgrade to the OpenSky Gold Visa Unsecured Credit Card after six months, if you maintain a positive credit history while using the card.
How To Apply To OpenSky Secured Visa Credit Card
In order to be eligible, all you need is to be at least the age of majority and a United States resident. Here’s how to apply:
- Visit the Website: click on the button below to access the website;
- Fill The Application Form: provide any personal and financial details requested and submit it;
- Wait for Approval: after submitting, wait for the approval.