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Worry about nothing but building your credit with this zero-annual card

OpenSky® Plus Secured Visa® Credit Card, Affordable Credit Builder


Looking to build your credit or bounce back from a rocky financial past? The OpenSky® Plus Secured Visa® Credit Card is a smart option for you. Unlike other cards, its application doesn’t require a credit check, and there’s no annual fee. Don’t let past rejections hold you back – Start building your credit today with OpenSky®.


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Reclaim your credit with OpenSky® Plus Secured Visa® Credit Card. It's simple, budget-friendly, and boasts irresistible perks. Take a look:

Simple approval process with no credit check
Reports to major credit bureaus, helping improve your credit score
Flexible payment due dates for added convenience
No annual fee

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In the sprawling landscape of credit cards, the OpenSky® Plus Secured Visa® Credit Card stands out as a beacon for those looking to rebuild or establish their credit journey.

Tailored to offer a stable foundation, this card doesn’t just promise transactional convenience; it’s a stepping stone to a brighter financial future.

Let’s dive deeper to understand its features and evaluate if it’s the right fit for your wallet.

Strengths and Special Offerings

  • No Credit Check: An essential benefit, especially for those with little to no credit history or past financial mistakes. Your approval isn’t hinged on your credit score.
  • No Annual Fee: An appealing feature that allows users to enjoy the card’s benefits without the burden of an annual fee.
  • Secured Card with Benefits: Unlike many secured cards, OpenSky® offers additional perks like identity theft resolution services.
  • Report to Major Bureaus: Timely payments can have a positive impact on your credit score as OpenSky® reports to all three major credit bureaus.
  • Flexible Security Deposit: Choose your refundable deposit amount, starting from as low as $300, to set your credit limit.
  • Accessible Online Tools: Manage your account conveniently with online access, ensuring you can monitor and control your spending and payments.
  • Global Acceptance: As a Visa® card, it boasts global acceptance, meaning you can use it almost anywhere around the world.

Limitations to Consider 

  • Variable APR: Potential users should be wary of the card’s APR, especially if they’re inclined to maintain a balance.
  • No Graduation: Some secured card variants provide an avenue to transition to unsecured variants based on consistent commendable behavior, a feature absent in OpenSky®.

The OpenSky® Plus Secured Visa® Credit Card emerges as a compelling proposition for those focused on credit building.

The absence of a credit check and no annual fee position it as a potential favorite. But as always, it’s crucial to juxtapose its drawbacks, like the missing rewards program, against its myriad benefits.

If credit improvement is your North Star, this card might just be the compass you need.

A secured card requires a security deposit as collateral for the credit limit. In contrast, a regular credit card does not require a deposit and relies on creditworthiness to determine the credit limit.

After getting your approval, you can access your OpenSky® Plus Secured Visa® Credit Card account online through the OpenSky® website. Simply log in into your OpenSky credit card account using your username and password.

After your application has been approved, it typically takes 7-14 business days to receive your OpenSky® Plus Secured Visa® Credit Card. And if you’re not satisfied with this card, you can cancel your OpenSky® Plus Secured Visa® Credit Card anytime by calling the customer service number on the back of your card.

OpenSky® Plus Secured Visa®

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!

If the OpenSky® Plus Secured Visa® Credit Card is too basic, you can rebuild your credit and earn awesome rewards with the Merrick Bank Classic Secured Card! Keep reading and learn more!

Merrick Bank Classic Secured Credit Card

Apply for Merrick Bank Classic Secured Card

Apply for the Merrick Bank Classic Secured Credit Card and rebuild your credit. Follow the step-by-step here!

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