OpenSky Secured Visa vs Self Visa Credit Card
On the standard spending profile Self Visa Credit Card is cheaper: €0 net per year versus €35 for OpenSky Secured Visa. On cashback OpenSky Secured Visa wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Self Visa Credit Card does better (0% vs 3%). The choice depends on your real spending profile: redo the math with your volumes before picking between OpenSky Secured Visa and Self Visa Credit Card.
| OpenSky Secured Visa | Self Visa Credit Card | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.3 | ★ 4.2 |
| Estimated net annual cost | €35 | €0 |
| Network | Visa | Visa |
| Card type | Credit card | Credit card |
| APR | 23.89% | 27.49% |
| Issuance fee | €32 | Free |
| Annual fee | Free | Free |
| Free ATM limit | Not disclosed | Not disclosed |
| ATM withdrawal | 5% | not declared |
| FX markup | 3% | 0% |
| Cashback | 10% in USD · Nessuno | Not disclosed |
| On-chain settlement | No | — |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 5/10 | 5/10 |
| Supported countries | US · 1+ countries | US · 1+ countries |
| Regulator | FDIC / OCC | FDIC |
| OAM Italy registration | No | — |
| Segment | B2C | B2C |
| Regions | US | US |
| Licences & safety | National bank charter | Partner bank charter |
Frequently asked questions
OpenSky Secured Visa vs Self Visa Credit Card: which is better?
On the standard spending profile Self Visa Credit Card is cheaper: €0 net per year versus €35 for OpenSky Secured Visa. On cashback OpenSky Secured Visa wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Self Visa Credit Card does better (0% vs 3%). The choice depends on your real spending profile: redo the math with your volumes before picking between OpenSky Secured Visa and Self Visa Credit Card.
Which is cheaper, OpenSky Secured Visa or Self Visa Credit Card?
On the standard spending profile Self Visa Credit Card has the lowest net annual cost: €0 versus €35 for OpenSky Secured Visa.
Which offers more cashback, OpenSky Secured Visa or Self Visa Credit Card?
OpenSky Secured Visa has the highest cashback: up to 10%. Note the top rate often requires token staking and is subject to spending caps.
Is OpenSky Secured Visa custodial or self-custody?
OpenSky Secured Visa is custodial: funds are held by the platform, while Self Visa Credit Card is custodial.
Which is better for spending abroad?
For foreign-currency spending Self Visa Credit Card wins, with the lowest FX markup: 0%.