Card Category: Secured

If your credit rating is less than ideal, a secured credit card could be the financial tool you need. While it functions just like a regular credit card, the key distinction is that you’ll be required to make a cash deposit to receive approval. This deposit acts as your collateral and credit limit, providing peace of mind for both you and the card issuer. With a wide range of secured credit card offers to choose from, you’ll have no difficulty finding one that meets your eligibility criteria, interest rates, and other important details.

OpenSky® Secured Visa® Credit Card

New feature! Earn up to 10% cash back* on everyday purchases

  • Card Brand

    Visa®

  • Rewards Rate

    Up to 10% cash back rewards

  • Annual Fee

    $35

  • Credit Recommended

    No credit, Poor, Fair

  • Regular Purchase APR

    25.14% (variable)

  • Full Details

    Card Page

Highlights

  • New feature! Earn up to 10% cash back* on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information
Card Details Page

Merrick Bank Secured Credit Card

Get your FICO® Credit Score for free each month.

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    $36 for first year. Billed $3 per month thereafter

  • Credit Recommended

    See website for Details*

  • Regular Purchase APR

    22.95% Variable

  • Full Details

    Card Page

Highlights

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
Card Details Page

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