Build Credit Without A Hard Inquiry
In This Post
|Regular APR:||19.14 (Variable)|
|Intro APR (Purchases):||None|
|Intro APR (Balance transfers):||None|
|Credit Needed:||(300 – 669) Bad/Limited/No|
*See online credit card application for details on the terms and conditions.
- Click “APPLY NOW” to apply online
- There’s no credit check needed
- You choose your credit limit, as low as $200, linked to your security deposit
- Reports monthly to all 3 major credit bureaus
Is OpenSky® Secured Visa worth it?
OpenSky® Secured Visa® is a great card for people looking to build their credit history without a hard pull on their credit. You choose your credit limit and put down a minimum $200 deposit to use as a credit line. The APR is lower than many secured cards and the $35 annual fee is also reasonable. Among cards that don’t check your credit, OpenSky® Secured Visa® is a great card.
- Build your credit
- Reports to the three major credit bureaus each month
- Minimum security deposit of $200 is on the low end for secured cards
- Relatively low APR
- $35 annual fee
- Foreign transaction fee
- Inactive account fee of $10 per month after 12 months of no activity
Why 5 Stars?
|Foreign Transaction Fee||3%|
|Balance Transfer Fee||No Balance Transfers Allowed|
|Cash Advance Fee||$6 or 5% of the amount of each Cash Advance; whichever is greater|
|$0 Fraud Liability|
|Auto Rental Collision Damage Waiver|
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
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