OpenSky Secured Visa

The OpenSky Secured Visa charges a $35 annual fee. In our review it earns a fees score of 13/20 — the "How we scored this card" section below shows how we weigh that against the rewards and benefits. Applicants with significant credit damage or a bankruptcy history who need a no-credit-check path back — OpenSky runs no credit check at all, so any applicant who can fund the refundable deposit ($200–$3,000, which sets the limit) can apply. It reports to all three bureaus monthly, and the variable APR (~25.64%) is lower than most secured cards.

Approx. 25.64% variable — verify at openskycc.com. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

Applicants with significant credit damage or a bankruptcy history who need a no-credit-check path back — OpenSky runs no credit check at all, so any applicant who can fund the refundable deposit ($200–$3,000, which sets the limit) can apply. It reports to all three bureaus monthly, and the variable APR (~25.64%) is lower than most secured cards.

Anyone who can qualify for a no-annual-fee secured card like the Discover it Secured or the deposit-free Chime Card — OpenSky charges a $35 annual fee that no other card on the builder list carries.

OpenSky Secured Visa scored 67/100 — "Niche / conditional". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.