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Home»Credit Cards»Best starter credit cards
Credit Cards

Best starter credit cards

January 7, 2025No Comments1 Min Read
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Best starter credit cards
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Best for no credit check
OpenSky® Secured Visa® Credit Card image

OpenSky® Secured Visa® Credit Card

Rating: 3.5 stars out of 5

3.5


Learn More

in our Bankrate review

  • The OpenSky® Secured Visa® Credit Card is a secured credit card that doesn’t require a credit check to apply, making it a good starter card option for someone with no credit or a recent bankruptcy. While it does have a $35 annual fee, the card reports your payments to the three credit bureaus, which can help you build credit regardless of your credit situation.

    Green circle with a checkmark inside

    Pros

    • You can access this card without a credit history.
    • Its security deposit limit is up to $3,000, which can help with maintaining credit utilization ratios.
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    Cons

    • You can only earn rewards through card-linked merchant offers.
    • This card charges an annual fee, which might be difficult to manage if you have a low starting credit limit.

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See also  Where can I get a business line of credit?
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