A secured card is a great option for those who are looking to improve their credit, but can’t get approved for a traditional unsecured credit card, or, for those who wish to have a higher credit line that other issuers simply can’t give them. The OpenSky® Secured Visa® Credit Card allows their card holders to have a credit line as high as $3,000 (subject to approval), which is a bit higher than other secured cards, with the minimum being $200. Like most secured cards there’s not much you’re going to get in terms of rewards, points or cash back, but they do report to credit bureaus, ensuring that you'll be able to build credit with responsible use.

One great perk that makes this credit card stand out is that there is no credit check necessary to open an account. The online application is quick and easy and applicants do not need to have a checking account to get approved. Fees that are attached with this card are pretty typical with the APR at 17.39% (variable) and an annual fee of $35.

The terms and conditions of the card state penalty fees of up to $38 for a late payment and up to $25 for a returned payment if you fail to meet the due date, exceed your credit line, or have a returned payment. A deposit is required at the time of application since approvals are instant and no checking account is required. This card will work anywhere Visa is accepted.