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Our opinions are our own. It allows you to build credit without making a security deposit, but it’s worth considering other starter credit cards with lower fees.

In contrast, the OpenSky® Secured Visa® Credit Card charges an annual fee of $35, making it a more costly option — and much less appealing for those who are able to qualify for other cards.

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With more than 150 million merchant locations worldwide, Visa’s extensive network ensures consumers can use Tap to Pay Visa Gift Cards anywhere contactless Visa payments are accepted.

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Debit cards don’t help you build credit, though. That’s because your debit card isn’t tied to a line of credit. Instead, it’s tied to your bank account balance. 2.

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