The OpenSky Plus Secured Visa and Visa Signature® Flagship Rewards are closely matched. OpenSky Plus Secured Visa wins on 2 categories (no current bonus); Visa Signature® Flagship Rewards wins on 2 (35,000 pts signup bonus). The better pick depends on your spending patterns.
OpenSky Plus Secured Visa vs Visa Signature® Flagship Rewards
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Which Card Comes Out Ahead?
OpenSky Plus Secured Visa and Visa Signature® Flagship Rewards are close enough that the better pick depends on where you spend most, how much value you get from perks, and whether you prefer one rewards ecosystem over the other.
Best if you care most about stronger category earning on everyday spend.
Best if you will actually use recurring statement credits and premium benefits.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Select Merchants 9.9x
- All Other Purchases 1x
- Travel 3x
- All Other Purchases 2x
- Amazon Prime $139
- Global Entry/TSA PreCheck Credit $120
Quick summary
A short version of the comparison with the main differences at a glance.
The OpenSky Plus Secured Visa and Visa Signature® Flagship Rewards are closely matched. OpenSky Plus Secured Visa wins on 2 categories (no current bonus); Visa Signature® Flagship Rewards wins on 2 (35,000 pts signup bonus). The better pick depends on your spending patterns. On raw upside, OpenSky Plus Secured Visa tops out at 9.9x versus 3x for Visa Signature® Flagship Rewards. Current signup bonus values are roughly $0 for OpenSky Plus Secured Visa and $4 for Visa Signature® Flagship Rewards. Updated June 8, 2026. Source: https://cardcurator.ai/compare/opensky-plus-secured-visa-vs-visa-signature-flagship-rewards
- OpenSky Plus Secured Visa wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: OpenSky Plus Secured Visa reaches 9.9x; Visa Signature® Flagship Rewards reaches 3x.
- Annual fee: OpenSky Plus Secured Visa is no annual fee; Visa Signature® Flagship Rewards is $49/yr.
- Current public bonus values are approximately $0 and $4.
Common Questions: OpenSky Plus Secured Visa vs Visa Signature® Flagship Rewards
Is the OpenSky Plus Secured Visa or Visa Signature® Flagship Rewards better for dining?
Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.
Which has the higher signup bonus in 2026?
OpenSky Plus Secured Visa currently offers no current bonus. Visa Signature® Flagship Rewards offers 35,000 pts signup bonus (spend $3,500 in 3 months). Visa Signature® Flagship Rewards has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the OpenSky Plus Secured Visa and the Visa Signature® Flagship Rewards?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. OpenSky Plus Secured Visa is from Capital Bank and Visa Signature® Flagship Rewards is from Navy Federal Credit Union, so they're governed by separate bank policies.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.