OpenSky Secured Visa Review 2026
Secured Visa is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
See offerYou'll leave SwitchWize. Verify terms with the issuer.
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Your card estimate
Net first-year value
First year
-$15
Rewards + bonus - fee - interest drag
Ongoing year
-$35
Excludes one-time welcome offer
SwitchWize take
Rewards credit card
Bonus value
$20
Rewards
See terms
Annual fee
$35
APR
24.14%
Pros & cons
- Sign-up bonus worth $20
- Annual fee: $35
- High regular APR (24.14%)
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$35 annual fee
24.14% variable
Spend requirement: $20 welcome bonus for funding the deposit the same day (limited time); deposit $200 to $3,000
OpenSky terms control approval, pricing, and rewards
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The $35 annual fee needs to be offset by rewards, credits, or travel value.
Comparison set
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Bottom line
Is Secured Visa worth it?
Secured Visa is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term