If you have a bad credit score or no bank account, you may feel like you’re out of options when it comes to getting a credit line. But there is one option that may be worth considering: the OpenSky® Secured Visa® Credit Card!

There is no credit check needed to apply for this card, and it also doesn’t require a checking account. The card can be a powerful tool in repairing damaged credit.

When you apply for the OpenSky® Secured Visa® Credit Card, you’ll need to put down a security deposit. This will be your credit limit on the card. So, if you put down a $200 deposit, your credit limit will be $200.

The OpenSky® Secured Visa® card has a 25.14% variable APR for purchases and cash advances. There is also a $35 annual fee, and you also get free access to your credit score.

One of the biggest benefits of this card is that it can help you rebuild your credit. OpenSky reports your payment history to all three major credit bureaus, so using this card responsibly can help improve your credit score over time.

But it also comes with a few drawbacks. First, it’s not a rewards card, so you won’t earn any points or cash back on your purchases. Second, there is a late payment fee up to $40.

Overall, the card is a good option if you’re looking to rebuild your credit. The annual fee is relatively low, and you get free access to your credit score.

Plus, the card issuer reports your payment history to all three major credit bureaus, so using this card responsibly can help improve your credit rating over time.

There is no credit score required to apply for this product. However, you’ll need to put down a security deposit when you apply for the card. The minimum security deposit is $200. 

If you’re interested in applying for the OpenSky® Secured Visa®, you can apply online or by phone. You’ll need to provide some basic information, including your name, address, and Social Security number.

Keep reading to learn the details of the application process. 

The online application process for the OpenSky® Secured Visa® Credit Card could not be simpler. Just go to the OpenSky website and click on “Apply Now.”.

You will need to provide some personal information, like your name, address, and Social Security number.

You will also need to provide information about your employment and your income. OpenSky will review your credit history and determine whether you are eligible for the card.

If you are approved, you will need to provide a security deposit in order to get the product.

Once you have been approved, OpenSky will send you your new secured Visa card in the mail. You can start using it as soon as you receive it!

Keep in mind that this is a secured card, so you should only use it for emergencies or occasional purchases.

If you use the OpenSky® Secured Visa® Credit Card responsibly, you can start rebuilding your credit history and improve your credit score.

OpenSky provides a mobile app for customers to manage their accounts.

You can activate your card on their website and use the application on your phone to view recently posted transactions and make payments. You can even check your next payment date and minimum payment due.

However, the application process is available only on their website.

If you’re unsure whether the OpenSky Secured Visa is the best option for you, we brought another option. The Assent Platinum Secured card offers a low ongoing APR rate and is a great alternative to help you rebuild your credit history!

So check the comparison between the two cards below and follow the recommended link for the Assent credit card application process!