Credit Cards
opensky® Plus Secured Visa® Credit Card Review
Boost your score with zero risk! Read our review of the opensky® Plus Secured Visa® Credit Card to start building credit without the invasive hard inquiry.
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No Credit Check, No Annual Fee – Your Path to Better Credit
Achieve your credit-building goals easily by choosing the opensky® Plus Secured Visa® Credit Card- Our review covers all details.
Apply For opensky® Plus Secured Visa® Credit Card
Ready to build your credit? Discover the essential steps to apply for the opensky® Plus Secured Visa® Credit Card in our guide. Read on!
From its key features to pros and cons, learn all information here. So read on and learn more!
- Credit Score: No credit, Poor, Fair;
- Annual Fee: $0;
- Late Fee: Up to $41;
- Purchase APR: 28.99% (variable);
- Cash Advance APR: 28.99% (variable);
- Welcome Bonus: N/A.
- Rewards: Earn up to 10% cash back* on everyday purchases (terms apply).
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opensky® Plus Secured Visa® Credit Card: how does it work?
The opensky® Plus Secured Visa® Credit Card is a credit builder card that helps improve your score.
There are no credit checks, and zero annual fees make it a smart option if you’re unsure how your credit score affects your application or have faced rejections before.
Strengths
Further, check out why the opensky® Plus Secured Visa® Credit Card stands out:
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1. Credit Report
Firstly, OpenSky informs accurate payment and debt information of your credit card to the major credit bureaus to improve your credit score.
Secondly, cardholders can monitor their credit progress with free access to their FICO Credit Score monthly.
2. No bank account is needed
You don’t need a bank account to apply, and OpenSky doesn’t check credit, so hard inquiries won’t hurt your score.
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3. Flexible Payment Due Dates
Moreover, you can choose a date that suits your schedule.
4. Break the Secured Deposit in installments
Spread your secured deposit into smaller payments over 60 days.
opensky® Plus Secured Visa® Credit Card: should you get one?
So if you’re looking for a straightforward credit-building solution, the opensky® Plus Secured Visa® Credit Card is worth considering.
Furthermore, here’s a quick summary of the pros and cons:
Pros
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- 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 as little as $300 – Secure your line with a refundable security 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 1.6 million+ cardholders who have used opensky® to build better credit!
Cons
- Secured deposit.;
- Limited upgrading options.
Credit score required
In addition, this card is available to poor-excellent credit scores. However, they don’t perform a credit check on the application.
opensky® Plus Secured Visa® Credit Card application: how to do it?
Ready to apply for the opensky® Plus Secured Visa® Credit Card? Then keep reading to learn all parts of the application and unlock the benefits of responsible credit usage.
Apply For opensky® Plus Secured Visa® Credit Card
Ready to build your credit? Discover the essential steps to apply for the opensky® Plus Secured Visa® Credit Card in our guide. Read on!
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