Comparison Amex EveryDay® Preferred Credit Card vs OpenSky® Secured Visa® Credit Card
Compare a rewards-focused credit card with a credit-building secured card to find the one that fits your financial goals.
Amex EveryDay® Preferred Credit Card
★ 4.5 NerdWallet rating
APPLY NOW
on American Express’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
- Rewards
- Groceries
- Gas
- Membership Rewards Points
- Bonus Offers
- Credit Building
- Secured Card
- No Credit Check
- Flexible Deposit
💳 Annual Fee
Amount
$95
$35
🎁 Bonus Offer
Details
Earn 15,000 Membership Rewards® Points after spending $1,000 in the first 3 months.
No bonus — designed to build or rebuild credit with responsible use.
Summary & Opinion
The Amex EveryDay® Preferred Credit Card is a great choice for those who want to earn rewards on everyday purchases like groceries and gas. With Membership Rewards® points, bonus opportunities, and added perks, it’s ideal for people with good credit who want long-term value, despite the $95 annual fee.
The OpenSky® Secured Visa® Credit Card is focused on credit building. It’s accessible because it doesn’t require a credit check, has a refundable deposit, and reports to all three major credit bureaus. It’s a practical tool for anyone rebuilding or establishing credit, though it doesn’t offer rewards.
Choose the Amex EveryDay® Preferred if you want to earn and redeem rewards. Opt for the OpenSky Secured Visa if your main goal is to build or rebuild credit history responsibly.
The OpenSky® Secured Visa® Credit Card is focused on credit building. It’s accessible because it doesn’t require a credit check, has a refundable deposit, and reports to all three major credit bureaus. It’s a practical tool for anyone rebuilding or establishing credit, though it doesn’t offer rewards.
Choose the Amex EveryDay® Preferred if you want to earn and redeem rewards. Opt for the OpenSky Secured Visa if your main goal is to build or rebuild credit history responsibly.
Frequently Asked Questions
It’s best for consumers with good credit who spend frequently on groceries and gas and want to earn Membership Rewards® points with every purchase.
No — the OpenSky® Secured Visa® Credit Card does not require a credit check, making it accessible for those with limited or damaged credit histories.
Yes — it reports monthly to all three major credit bureaus, helping users establish or rebuild credit with on-time payments.
The Amex EveryDay® Preferred has a $95 annual fee. The OpenSky Secured Visa charges a $35 annual fee.
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