An annual fee on a credit card can be worthwhile if it comes with added rewards and benefits, but most of the time those cards are for specific consumers that travel heavily or spend in specific ways. No annual fee cards are a win-win regardless of your spending habits. Keeping your card open at no cost is also beneficial to growing credit history and the average age of accounts.
opensky® Launch Secured Visa® Credit Card
- Start building credit with just $100 – secure your line with a low, refundable security deposit
- No credit check required – 89% approval rate with zero credit risk to apply!
- Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
- Earn up to 10% cash back on everyday purchases
- Affordable payments – minimum payment as low as $10
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
- Credit Recommended
- No credit, Poor, Fair
- Regular APR
- 28.24% (variable)
- Annual Fee
- $24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
- Credit Line
- $100- $1,000
opensky® Plus Secured Visa® Credit Card
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with as little as $300 – Secure your line with a refundable security deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
- Credit Recommended
- No credit, Poor, Fair
- Regular APR
- 28.24% (variable)
- Annual Fee
- $0
- Credit Line
- $300-$3000 at time of application
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