Comparison Bank of America® Premium Rewards® Credit Card vs OpenSky® Secured Visa® Credit Card
Compare a premium travel rewards card with a beginner-friendly secured card to choose the best fit for your financial goals.
Bank of America® Premium Rewards® Credit Card
★ 4.6 NerdWallet rating
APPLY NOW
on Bank of America’s website
OpenSky® Secured Visa® Credit Card
★ 4.0 NerdWallet rating
APPLY NOW
on OpenSky’s website
Compare Features
📊 Recommended Credit Score
Score Range
690-850
Good – Excellent
300-669
Poor – Fair
💚 Great For
Categories
- Travel Rewards
- Dining
- Premium Perks
- Bonus Offers
- Flexible Points
- Credit Building
- Secured Card
- No Credit Check
- Flexible Deposit
💳 Annual Fee
Amount
$95
$35
🎁 Bonus Offer
Details
Earn 60,000 online bonus points (worth $600) after spending $4,000 in purchases in the first 90 days of account opening.
No sign-up bonus — focused on building or rebuilding credit with responsible use.
Summary & Opinion
The Bank of America® Premium Rewards® Credit Card is designed for travelers who want premium perks and flexible rewards. With 2X points on travel and dining and 1.5X points on everything else, plus a generous 60,000-point bonus, it’s ideal for those who travel frequently and can maximize the $95 annual fee.
The OpenSky® Secured Visa® Credit Card is perfect for building or rebuilding credit. With no credit check required, a refundable security deposit, and reporting to all three major credit bureaus, it offers a straightforward path to improve your credit profile.
Choose the Premium Rewards® card if you want strong travel rewards and benefits. Pick the OpenSky card if your priority is to establish or rebuild credit with a simple, accessible option.
The OpenSky® Secured Visa® Credit Card is perfect for building or rebuilding credit. With no credit check required, a refundable security deposit, and reporting to all three major credit bureaus, it offers a straightforward path to improve your credit profile.
Choose the Premium Rewards® card if you want strong travel rewards and benefits. Pick the OpenSky card if your priority is to establish or rebuild credit with a simple, accessible option.
Frequently Asked Questions
Frequent travelers or diners who want premium rewards, flexible redemption, and travel protections will benefit most from this card.
No — there’s no credit check required, making it accessible to those with limited or poor credit histories.
The Bank of America Premium Rewards card charges a $95 annual fee, while the OpenSky Secured Visa charges a $35 annual fee.
Yes — by reporting to all three major credit bureaus, it can help build a positive credit history with consistent, on-time payments.
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