The Secured Business Credit Card (OpenSky) Credit Building is a secured credit card from Secured Business Credit Card (OpenSky). The annual fee is $35. The ongoing APR is 23.89%. Approval typically requires a credit score of None (no check) or higher. Rewards: Up to 10% Cash back rewards. Cash back: up to 10%. Typical credit limit: $200 - $3,000 (secured deposit). This product reports activity to your personal credit report. No credit check required. Deposit $200-$3,000 as your credit limit. Reports to all 3 bureaus. Good for rebuilding personal credit before applying for business cards.