Opensky credit card reviews

Namely, there is a 3% OpenSky® Secured Visa® credit card foreign transaction fee and a 5% fee for cash advances. Penalty fees will also apply in cases of late payment: up to $40 for late payments and up to $25 for returned payments. If you decide to stop using your account temporarily, you should keep in mind that there is also a $10 fee ...OpenSky® Secured Visa® $35 annual fee. Minimum security deposit required $200. Variable APR 25.64%. Credit check to apply? No. Get Started.Balance Transfer Cards. Reward Cards. Travel Cards. Cash Back Cards. 0% APR Cards. Business Cards. Cards for Bad Credit. Cards for Fair Credit. Secured Cards.I read about Opensky and how they didn't do credit checks, and they seemed to have overall decent reviews. There is an AF of $35, but I thought ...I've been a Member since 2020. Outstanding Customer Service always professional. OpenSky Secure Credit Card has improved my credit score 75% with on time payments. As of 3/14/2024 I've been approved for a OpenSky unsecured gold credit card for excellent on time payment history, and a member since 2020.OpenSky® Secured Visa® Credit Card. Start building credit and stop getting dragged down by your credit score. No credit check. No risk to apply.The OpenSky Secured Credit Card works like any other Visa card. This card is accepted anywhere that takes Visa, and nobody will know by looking at it that it is a secured credit card. You have the option to extend your credit line after 6 months without an additional deposit. There is an annual fee of $35.Jan 23, 2022 ... OpenSky Secured Credit Card and OpenSky Gold Unsecured are reviewed in this video. Learn if these OpenSky credit cards are right for you.This review of the OpenSky® Secured Visa® Credit Card shows it is suitable for credit building, and has high approval rates and flexible payment options. ... OpenSky® Secured Visa® Credit Card Review. Explore our review of the OpenSky® Secured Visa® Credit Card, a no-credit-check option with up to $3,000 credit limit, …Do you agree with OpenSky's 4-star rating? Check out what 8,235 people have written so far, and share your own experience. Do you agree with OpenSky's TrustScore? Voice your opinion today and hear what 8,235 customers have already said. Suggested companies. Western Union. westernunion.com • 63K reviews. 4.0. Quontic. quontic.com • 569 ...Dec 31, 2023 · Those looking to build credit may find the OpenSky Secured Visa Credit Card a suitable option with a low deposit and no credit check required to get started. OpenSky Secured Visa Card Review 2024 ... The OpenSky Secured Credit Card operates like the conventional unsecured credit card, except that it doesn’t check your credit. This means a poor credit score will have no impact on your account approval. You are only required to pay a refundable security deposit ($200 - $3,000) when you create an account.OpenSky® Plus Secured Visa® Credit Card’s $0 annual fee is higher than the average annual fee among new credit card offers right now. It’s not the only fee you need to worry about with the OpenSky® Plus Secured Visa® Credit Card, either. OpenSky® Plus Secured Visa® Credit Card Fees. Annual Fee: $0; Cash Advance Fee: …View all brands. OpenSky Credit Card has an overall score of 3.9, based on 28 ratings on Knoji. PROS. Greater brand recognition than OpenSky Credit Card (estimated) CONS. Does not allow modification & cancellation policies. PROS. Offers more frequent discounts and promotions than Aspire Credit Card. Offers modification & …OpenSky® Secured Visa® Credit Card. Start building credit and stop getting dragged down by your credit score. No credit check. No risk to apply.OpenSky is a generally good company to build credit with. AFAIK, they don’t even do a credit check for their secured card. I even started with one but seeing as how my credit has improved greatly since then, don’t ever use it. I however, would not pay $59 for one of their cards and especially not for a $500 limit.OpenSky Secured Visa Card review: Building credit for beginners - The Points Guy. Advertiser disclosure. Guide. OpenSky Secured Visa Card review: …That being said, the OpenSky® has one of best approval rates out there, with over 85%. The card charges a modest $35 annual fee, and has a variable 29.99% APR on purchases and cash advances. There’s also a late payment fee up to $40. You can deposit any amount between $200 and $3,000 – which will work as your spending limit.Reviews, rates, fees, and customer service info for The OpenSky® Secured Visa® Credit Card. Compare to other cards and apply online in seconds OpenSky Credit Card Reviews (2024) WalletHubOpenSky® Secured Visa® $35 annual fee. Minimum security deposit required $200. Variable APR 25.64%. Credit check to apply? No. Get Started.Namely, there is a 3% OpenSky® Secured Visa® credit card foreign transaction fee and a 5% fee for cash advances. Penalty fees will also apply in cases of late payment: up to $40 for late payments and up to $25 for returned payments. If you decide to stop using your account temporarily, you should keep in mind that there is also a $10 fee ...Reviews, rates, fees, and customer service info for The OpenSky® Secured Visa® Credit Card. Compare to other cards and apply online in seconds OpenSky Credit Card Reviews (2023) WalletHubNov 16, 2023 · The OpenSky® Secured Visa® Credit Card is a secured card, meaning you’ll need to put down a security deposit (in this case, $200 – $3,000) to secure (hence the term secured) your credit limit. While that may seem like a pain, it’s only fair, considering you don’t have much of a credit history, and OpenSky wants to guarantee that they ... The OpenSky ® Secured Visa ® Credit Card. ( 336 reviews) Apply. Rates and fees. Recommended FICO ® Score Θ. Poor, New to Credit, Rebuilding. Annual Fee: $35. Intro APR:In-depth OpenSky® Credit Card review. The OpenSky® Secured Visa® Credit Card is a secured card, meaning you’ll need to put down a security deposit (in …Pros. Reasonable $35 annual fee. As low as $150 minimum deposit. Cons. 3% foreign transaction fee. OpenSky® Secured Visa® Credit Card. 6,638 Reviews. …Minimum is $200 and up to $3,000 (subject to approval). **Based on Q4 2023, OpenSky® Secured Visa® Credit Card average approval rate is 88.5%. Individual approval results may vary. The OpenSky® Secured Visa® Credit Card is a simple way to build credit. Just use your card for everyday purchases, make on-time payments, and watch your credit grow.With the OpenSky® Secured Credit Visa® Card, your deposit is equal to your credit limit. For example, if you want a $1,000 credit limit, you would put down a $1,000 deposit. For this card, you can choose a limit from $200 to $3,000. If you close your account in good standing and with no balance, you should get your full deposit back within ...Credit cards used to just offer flexibility when you needed to pay for something before payday but now they can be used as a reward card offering cash back or air miles every time ...Reviews, rates, fees, and customer service info for The OpenSky® Secured Visa® Credit Card. Compare to other cards and apply online in seconds OpenSky Credit Card Reviews (2024) WalletHubOpenSky ® Secured Visa ® Credit Card Review [2024]: A Useful Card to Build Credit. ... Details about OpenSky® Secured Visa® Credit Card, Capital One Platinum Secured Credit Card have been collected by FinanceBuzz editors. This information, including rates and fees, is accurate as of the date of the review and was not reviewed …OpenSky is a generally good company to build credit with. AFAIK, they don’t even do a credit check for their secured card. I even started with one but seeing as how my credit has improved greatly since then, don’t ever use it. I however, would not pay $59 for one of their cards and especially not for a $500 limit.Feb 20, 2024 · The OpenSky® Secured Visa® Credit Card is a secured card that has a fairly standard $35 annual fee. It also doesn’t involve a credit check, so even if you have no credit or bad credit, you can still qualify for this card. If you are approved, you can start building your credit once you fund the card. A secured credit card with an annual fee is rare. The OpenSky Secured Visa is one of the few with an annual fee, at $35 per year. Related: 10 commandments for travel rewards credit cards. No path to upgrade. Unlike some other secured cards, the OpenSky Secured Visa does not provide a path to upgrading your credit limit or the card itself ...Reviews, rates, fees, and customer service info for The OpenSky® Secured Visa® Credit Card. Compare to other cards and apply online in seconds OpenSky Credit Card Reviews (2024) WalletHubAnnual fee · Checking account required · No opportunity to graduate to an unsecured card · No automatic reviews for credit limit increases ...Reviews, rates, fees, and customer service info for The OpenSky® Secured Visa® Credit Card. Compare to other cards and apply online in seconds OpenSky Credit Card Reviews (2024) WalletHubworst best. Read our full methodology. The OpenSky Secured Visa credit card is not one of Investopedia's top rated secured cards. Please see our list of the …Reviews, rates, fees, and customer service info for The OpenSky® Secured Visa® Credit Card. Compare to other cards and apply online in seconds OpenSky Credit Card Reviews (2024) WalletHubTo contact the OpenSky Card reconsideration line, call (800) 859-6412. When prompted to enter your credit card number, press “#” and you will be connected to a live representative. The OpenSky Card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned.Reviews, rates, fees, and customer service info for The OpenSky® Secured Visa® Credit Card. Compare to other cards and apply online in seconds OpenSky Credit Card Reviews (2023) WalletHubA secured credit card with an annual fee is rare. The OpenSky Secured Visa is one of the few with an annual fee, at $35 per year. Related: 10 commandments for travel rewards credit cards. No path to upgrade. Unlike some other secured cards, the OpenSky Secured Visa does not provide a path to upgrading your credit limit or the card itself ...Read in-depth credit card reviews to find out which cards have the best perks and more. Read card reviews. ... The OpenSky Secured Visa credit card comes with an annual fee of $35. While not high ...View all brands. OpenSky Credit Card has an overall score of 3.9, based on 28 ratings on Knoji. PROS. Greater brand recognition than OpenSky Credit Card (estimated) CONS. Does not allow modification & cancellation policies. PROS. Offers more frequent discounts and promotions than Aspire Credit Card. Offers modification & …The OpenSky® Plus Secured Visa® Credit Card offers a unique opportunity for credit building with no annual fee or credit check and flexible deposit options. It is ideal for individuals with diverse financial needs.The OpenSky® Secured Visa® Credit Card has many benefits including an easy four-step application process with no credit check, a refundable opening deposit, and the ability to increase your credit limit after opening your account. The no-credit-check policy for this card makes it simpler for people who have bad credit to repair it.OpenSky is a generally good company to build credit with. AFAIK, they don’t even do a credit check for their secured card. I even started with one but seeing as how my credit has improved greatly since then, don’t ever use it. I however, would not pay $59 for one of their cards and especially not for a $500 limit.Transfer. Just transfer funds for the refundable 5 security deposit which sets your credit line. Get started with a minimum deposit the OpenSky secured Visa Credit card’s minimum is $200 and up to $3,000 (subject to approval). The OpenSky Plus card’s minimum security deposit is $300 and up to $3,000 (subject to approval).Reviews, rates, fees, and customer service info for The OpenSky® Secured Visa® Credit Card. Compare to other cards and apply online in seconds OpenSky Credit Card Reviews (2023) WalletHubYes. OpenSky® now provides a pathway for people who want to build their credit with a secured card to graduate to an unsecured card. With OpenSky®, you can start building credit quickly and get evaluated for line increases starting at 6 months. You may be eligible for an OpenSky® Gold Card in as little as 6 months—helping you to double ...OpenSky® Secured Visa® $35 annual fee. Minimum security deposit required $200. Variable APR 25.64%. Credit check to apply? No. Get Started. OpenSky Credit Card has a rating of 1.46 stars from 273 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers complaining about OpenSky Credit Card most frequently mention customer service, credit card, and annual fee problems. OpenSky Credit Card ranks 193rd among Credit Cards sites. Service 69. Your credit limit is based on the amount of your security deposit. Minimum is $200 and up to $3,000 (subject to approval). The OpenSky® Secured Visa® Credit Card is a simple way to build credit. Just use your card for everyday purchases, make on-time payments, and watch your credit grow. Apply Now.Jan 22, 2024 · The OpenSky® Plus Secured Visa® Credit Card offers a unique opportunity for credit building with no annual fee or credit check and flexible deposit options. It is ideal for individuals with diverse financial needs. Nov 16, 2023 · The OpenSky® Secured Visa® Credit Card is a secured card, meaning you’ll need to put down a security deposit (in this case, $200 – $3,000) to secure (hence the term secured) your credit limit. While that may seem like a pain, it’s only fair, considering you don’t have much of a credit history, and OpenSky wants to guarantee that they ... OpenSky® Secured Visa® $35 annual fee. Minimum security deposit required $200. Variable APR 25.64%. Credit check to apply? No. Get Started.Read in-depth credit card reviews to find out which cards have the best perks and more. Read card reviews. ... The OpenSky Secured Visa credit card comes with an annual fee of $35. While not high ...With the OpenSky® Secured Credit Visa® Card, your deposit is equal to your credit limit. For example, if you want a $1,000 credit limit, you would put down a $1,000 deposit. For this card, you can choose a limit from $200 to $3,000. If you close your account in good standing and with no balance, you should get your full deposit back within ...OpenSky App features: • See your minimum payment due and next payment date – helps make planning easier! • View recently posted transactions such as payments or purchases. • Stay on top of your daily spending to keep card utilization low! • Search for transactions. • Make one-time payments or set up recurring payments – never miss ...Reviews, rates, fees, and customer service info for The OpenSky® Secured Visa® Credit Card. Compare to other cards and apply online in seconds OpenSky Credit Card Reviews (2024) WalletHubReviews, rates, fees, and customer service info for The OpenSky® Secured Visa® Credit Card. Compare to other cards and apply online in seconds OpenSky Credit Card Reviews (2024) WalletHubReviews, rates, fees, and customer service info for The OpenSky® Secured Visa® Credit Card. Compare to other cards and apply online in seconds OpenSky Credit Card Reviews (2023) WalletHubThe card claims a high approval rate, and cardholders will automatically be considered for an increased credit line after six months. Unfortunately, the card does come with a $35 annual fee. You can read the full review of the OpenSky Secured Visa Credit Card for more information on this card.Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history. There are even certain situations where a ...Opensky is a great card to start building your credit. Great experience, highly recommend this card after 6 months of using opensky started receiving credit card offerings. My credit score also went up. Date of experience: November 20, 2023. Tequa Stern.More Details & Reviews About Petal® 2 Visa® Credit Card; Pros, Cons & Details . Compare. BEST FOR BAD CREDIT. ... Why We Like It: There’s no credit check when you apply for the OpenSky® Plus Secured Visa® Credit Card. As a result, the card should be fairly easy to get approved for, even with something like bankruptcy on your …The OpenSky® Secured Visa® Credit Card is legit because it is issued by Capital Bank, a legitimate business that is an FDIC member and has a "B" rating with the Better Business Bureau. The OpenSky also reports information to the major credit bureaus each month. Why The OpenSky Card is Legit. Issued by Capital Bank, FDIC member …Happy customer. Love this card it can hold up to $3000 · Easy to use app to monitor spending · Card caused credit score to go down · OpenSky has been great to ...OpenSky Reviews 8,411 ... Open sky great for credit repair and starting credit . Date of experience: March 13, 2024. CC. Catherine Cook. 3 reviews. US. 19 hours ago. ... I am really enjoying my Open sky card though. Date of experience: February 09, 2024. DE. Derrick. 2 reviews. US. 11 hours ago. Verified.A secured card that lets you apply without a credit check or a bank account. You need a refundable security deposit of at least $200 …In the market for a new credit card? Now there are plenty of choices when it comes to the best credit cards for rewards, especially regarding cashback offerings. Credit card reward...Overview. This card has a relatively low APR for a secured card and a higher credit limit of up to $3,000 (matching your security deposit), and doesn’t require a credit check to get. But it also comes with a $35 annual fee, no rewards …Reviews, rates, fees, and customer service info for The OpenSky® Secured Visa® Credit Card. Compare to other cards and apply online in seconds OpenSky Credit Card Reviews (2023) WalletHubWe don't mean to brag (okay, we do), but the OpenSky Secured Visa Credit Card has been rated the best secured card to build credit by a whole bunch of industry ...Reviews, rates, fees, and customer service info for The OpenSky® Secured Visa® Credit Card. Compare to other cards and apply online in seconds OpenSky Credit Card Reviews (2024) WalletHub3 days ago ... Unlike the regular OpenSky card, the OpenSky® Plus Secured Visa® Credit Card doesn't charge an annual fee. There's still no hard credit pull so ...Jan 9, 2024 · OpenSky’s $35 annual fee is higher than the average annual fee among new credit card offers right now. It’s not the only fee you need to worry about with the OpenSky® Secured Visa® Credit Card, either. OpenSky Fees. Annual Fee: $35; Cash Advance Fee: 5% (min $6) Foreign Fee: 3%; Balance Transfer Fee: N/A; Max Late Fee: $40 View all brands. OpenSky Credit Card has an overall score of 3.9, based on 28 ratings on Knoji. PROS. Greater brand recognition than OpenSky Credit Card (estimated) CONS. Does not allow modification & cancellation policies. PROS. Offers more frequent discounts and promotions than Aspire Credit Card. Offers modification & …Happy customer. Love this card it can hold up to $3000 · Easy to use app to monitor spending · Card caused credit score to go down · OpenSky has been great to ...Still, it’s important to note that the OpenSky Card is a unique type of credit card called a secured card. Secured credit cards require a security deposit to open the account, and the amount of the deposit usually becomes the account’s spending limit. The OpenSky® Secured Visa® Credit Card has a minimum security deposit of $200.Access credit line increases with OpenSky® Secured Visa® Credit Card. Your eligibility to level up begins at six months. No cash required. Build your safety net ...To contact the OpenSky Card reconsideration line, call (800) 859-6412. When prompted to enter your credit card number, press “#” and you will be connected to a live representative. The OpenSky Card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned.Reviews, rates, fees, and customer service info for The OpenSky® Secured Visa® Credit Card. Compare to other cards and apply online in seconds OpenSky Credit Card Reviews (2023) WalletHubOct 5, 2023 · The credit limit for your OpenSky Secured Credit Card depends on how much you deposit when you open the account. At a minimum, you must have $200 to deposit, making the lowest possible credit limit $200. The maximum credit limit OpenSky tends to approve is $3,000, though this does require that amount in the initial deposit. *Based on Q4 2023, OpenSky® Secured Visa® Credit Card average approval rate is 88.25%. Individual results may vary. **OpenSky Rewards Terms and Conditions.Nov 17, 2023 · Bottom Line. OpenSky® Secured Visa® Credit Card is a good option for business owners who cannot qualify for an unsecured business credit card. Using it can help you build or improve your credit, as OpenSky® reports your activities to the major credit bureaus. However, it lacks ongoing rewards and other features that may be valuable to your ... A credit check isn't required when applying for the OpenSky card, so there's no impact on your credit score. If you make at least the minimum payment on time each month, your credit score should quickly improve. All three major credit bureaus — Equifax, Experian, and TransUnion — get monthly reports from OpenSky. 8,243 reviews on. OpenSky® Secured Visa® Credit Card. No credit check to apply. 88% average approval rate. $35 annual fee. $200 minimum security deposit. Apply Now ... worst best. Read our full methodology. The OpenSky Secured Visa credit card is not one of Investopedia's top rated secured cards. Please see our list of the …Pros. Reasonable $35 annual fee. As low as $150 minimum deposit. Cons. 3% foreign transaction fee. OpenSky® Secured Visa® Credit Card. 6,638 Reviews. …On January 2023, I contacted Opensky about my account. I spoke to someone at customer service. They informed me of the amount owed on the card plus the fees ...Reviews, rates, fees, and customer service info for The OpenSky® Secured Visa® Credit Card. Compare to other cards and apply online in seconds OpenSky Credit Card Reviews (2024) WalletHubYour credit limit is based on the amount of your security deposit. Minimum is $200 and up to $3,000 (subject to approval). The OpenSky® Secured Visa® Credit Card is a simple way to build credit. Just use your card for everyday purchases, make on-time payments, and watch your credit grow. Apply Now.Still, it’s important to note that the OpenSky Card is a unique type of credit card called a secured card. Secured credit cards require a security deposit to open the account, and the amount of the deposit usually becomes the account’s spending limit. The OpenSky® Secured Visa® Credit Card has a minimum security deposit of $200.At CardRatings.com we discuss the most up-to-date news and trends within the credit card space. Since we first pioneered the concept of online credit card reviews in 1998, our team of financial experts has provided comprehensive and unbiased credit card reviews for more than 175 cards, plus hundreds of additional resource articles to help …5 days ago · The OpenSky® Plus Secured Visa® Credit Card has a high interest rate, even compared to other secured credit cards. The secured card average is 22.86% right now. As a result, you should plan to pay your bill in full every month. This will allow you to avoid interest charges and minimize the cost of credit improvement. Nov 17, 2023 · Bottom Line. OpenSky® Secured Visa® Credit Card is a good option for business owners who cannot qualify for an unsecured business credit card. Using it can help you build or improve your credit, as OpenSky® reports your activities to the major credit bureaus. However, it lacks ongoing rewards and other features that may be valuable to your ... Reviews, rates, fees, and customer service info for The OpenSky® Secured Visa® Credit Card. Compare to other cards and apply online in seconds OpenSky Credit Card Reviews (2023) WalletHubThe OpenSky® Secured Visa® Credit Card has many benefits including an easy four-step application process with no credit check, a refundable opening deposit, and the ability to increase your credit limit after opening your account. The no-credit-check policy for this card makes it simpler for people who have bad credit to repair it.Transfer. Just transfer funds for the refundable 5 security deposit which sets your credit line. Get started with a minimum deposit the OpenSky secured Visa Credit card’s minimum is $200 and up to $3,000 (subject to approval). The OpenSky Plus card’s minimum security deposit is $300 and up to $3,000 (subject to approval). | Cenpfpsq (article) | Mritw.