OpenSky Secured Visa Credit Card Review
The OpenSky Secured Visa Credit Card can help you rebuild your credit or create credit from scratch. Plus, there's no credit check, so anyone can qualify. The downside is that there aren't many perks.
I'm passionate about helping others gain control of their finances and live the life they want to live, which is why I focus on creating engaging, informative content that rises above the noise to help readers make better decisions about the credit cards they choose.
— Re'Dreyona Walker
Re'Dreyona Walker is an editor for Bankrate and CreditCards.com, focusing on credit card product guides and reviews. As a personal finance expert, she is dedicated to providing honest, in-depth advice on topics such as balance transfer cards, credit card debt and credit card fees to assist readers in managing their credit. She is also knowledgeable about cash back, points and miles rewards, which enables her to help readers find the best credit cards for their needs.
Before joining CreditCards.com and Bankrate in January 2022, Re’Dreyona began writing and editing in the personal finance space for digital marketing company Three Ships, where she wrote automotive content covering various finance-related topics like insurance, warranties, and shipping for various online publications such as Motor1, The Detroit Bureau, Automoblog and more.
When she isn’t sifting through Bankrate articles, Re'Dreyona spends her free time reading new books, watching historical fiction shows and movies, and visiting museums, bookshops, and restaurants. She also enjoys spending time with family and friends, traveling, and tending to her growing collection of plants and art pieces.
Building credit as a young Gen Zer like myself isn't as easy as it sounds. Depending on your circumstances, it could be easy to get a credit card, but it's not so easy to keep it in good standing. A few tips I’ve learned for building your credit while you're still learning the ropes are to not apply for too many cards at once. Apply for one or two — and only one major credit card at first. If you qualify for more than one, apply for them after you've had that first card for several months.
Use your credit card responsibly by paying off your balance every month, and try not to carry a balance over from month to month. It’s best to not use more than 30 percent of your available credit limit. Keep an eye on your credit score by checking it once a year at least to see where you could improve. And lastly, choose wisely, as it’s important to do your research before settling with your first credit card.
I'm passionate about helping others gain control of their finances and live the life they want to live, which is why I focus on creating engaging, informative content that rises above the noise to help readers make better decisions about the credit cards they choose.
— Re'Dreyona Walker
The OpenSky Secured Visa Credit Card can help you rebuild your credit or create credit from scratch. Plus, there's no credit check, so anyone can qualify. The downside is that there aren't many perks.
Amex features give this card a leg up over other Credit One cards and some for fair credit, but there are better cards depending on how you value certain perks.
The Amazon Prime Rewards card is better than many store credit cards, thanks to its Visa Signature benefits and competitive rewards.
The TD Cash credit card is a no-frills card that offers excellent cash back rewards rates for dining out and grocery stores.
A fine choice for bank customers, but there's nothing particularly special here for others.
An attractive card for just about anyone who travels with American Airlines.
In addition to earning extra cash back in categories such as auto, home, and health, this card allows you to convert credit card debt into a fixed-rate personal loan, making it a great choice for those who need to pay down debt and build their credit. However, there may be lower-interest options available if you are financing a large balance.
Enjoy flat-rate cash back rewards, no annual fee and expanded buying power.
Each bottle of seasoning sold supports a non-profit Veteran organization.
The Capital on Tap Business card could be a great fit for small-business owners who need a lot of purchasing power and want to streamline earning rewards.