Advertiser Disclosure
"Silver credit is an independent, advertising-supported mobile application. The owners of this mobile application may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this mobile application."

OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card

on company’s secure website


• No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.

• The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.

• Build credit quickly. OpenSky reports to all 3 major credit bureaus.

• 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.

• We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)

• OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.

• *View our Cardholder Agreement located at the bottom of the application page for details of the card.



Annual fee



19.14% (variable)

Rewards rate


Sign up value


Minimum credit

No Credit Check
OpenSky® Secured Visa® Credit Card

Good for rebuilding credit.

Ok, my honest review: this is a good card for rebuilding credit. That’s what it’s marketed for, that’s what it’s sold for and that’s what it should be used for. If you’re complaining, you’re probably trying to use it for something other than it’s purpose. Like me, get it, build up your credit, THEN apply for the card you really want.
OpenSky® Secured Visa® Credit Card


This card is good apart from one thing, it’s slow to credit your account with payments made. If you can tolerate this delay then you’ll be fine, but I really need access to the funds quicker than it’s been taking.
OpenSky® Secured Visa® Credit Card

Straight forward card.

Just a straight forward credit card good for those rebuilding credit. Reports monthly to the 3 main credit bureaus, so it’s quick to rebuild your credit. For this reason it’s a really good card for my circumstances. Rewards are a bit on the light side, but I applied in order to build up my credit anyway.

Your review has been saved.