{"buyer_scenarios":[{"fit":"best_suited","scenario":"Consumers with poor, damaged, or no credit history who cannot pass a standard credit check and want to avoid hard inquiries"},{"fit":"best_suited","scenario":"Credit rebuilders who prioritize no annual fee and three-bureau reporting over rewards and low APR"},{"fit":"best_suited","scenario":"Applicants without a traditional bank account who need to fund a deposit and pay bills via money order or money transfer"},{"fit":"best_suited","scenario":"Consumers who can fund a $300 minimum deposit and intend to pay balances in full each month to avoid the high variable APR"},{"fit":"not_best_suited","scenario":"Consumers who may carry monthly balances, given the approximately 28.24% variable APR"},{"fit":"not_best_suited","scenario":"Buyers seeking a low minimum deposit, since competitors offer $100 or even $49 minimums"},{"fit":"not_best_suited","scenario":"Consumers who want a documented automatic graduation path to an unsecured card"},{"fit":"not_best_suited","scenario":"International travelers, due to the 3% foreign transaction fee"}],"citations":{"source_mix":{"company_owned":9,"independent":10,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":12,"partial":6},"total_sources":19,"unique_domain_count":10},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Secured Credit Cards With No Annual Fee","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"No-Annual-Fee Secured Credit Cards","subject":"OpenSky® Secured Visa® Card","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"OpenSky® Secured Visa® Card","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-07","platform_support":["openai","anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"OpenSky® Secured Visa® Card","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-07","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"OpenSky® Secured Visa® Card","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-07","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"weak","subject":"OpenSky® Secured Visa® Card","unit":"platforms","value":2}],"consensus_findings":["Strong Agreement: The No-Fee Product Is OpenSky Plus, Not the Standard Card","Strong Agreement: Three-Bureau Reporting","Majority Agreement: No Credit Check Required","Majority Agreement: High APR Is a Limitation","Majority Agreement: No Clear Automatic Graduation Path"],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","disagreements":["Conflict: Which Product Has No Annual Fee","Conflict: Minimum Deposit Amounts","Conflict: APR Figures","Conflict: Fit Ratings","Uncertainty: Fee Schedule"],"entities":[{"average_rank":6.5,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"OpenSky® Secured Visa® Card","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/credit-building-rebuilding/no-annual-fee-secured-credit-cards/opensky-secured-visa-card.json","page_url":"https://creditconsensusindex.com/credit-building-rebuilding/no-annual-fee-secured-credit-cards/opensky-secured-visa-card","report_type":"fit_review","study_id":"CCI-STUDY-561F5398BBA1","title":"OpenSky® Secured Visa® Card for Secured Credit Cards With No Annual Fee Review"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","The deterministic identity audit contains qualification notes that must be disclosed where relevant."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Credit Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-07 05:26:37.945002+00","research_date":"2026-09-07","source_snapshot_sha256":"407353b2d52d47757d1bc191321df75d0dcb11fe881bc8e67f4442950196162e","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":14,"qualified_finalists":9,"ranking_unit":"Secured credit card"},"schema_version":4,"summary":"The OpenSky® Secured Visa® Card is a conditional good fit for consumers seeking a no-annual-fee secured credit card, but only if the buyer selects the OpenSky Plus Secured Visa variant. Four of seven AI platforms named the card during ranking discovery, and four of seven rated it \"good\" for this use case. The strongest reason to consider it: the OpenSky Plus version charges $0 annual fee and reports monthly to all three major credit bureaus without requiring a credit check. The main limitation: the product line is confusing—the standard OpenSky Secured Visa charges a $35 annual fee, and the…","target_buyer":"Consumers rebuilding credit who want to minimize ongoing costs with a secured card that charges no annual fee","topic":{"base_category":"Credit building & rebuilding","category_criteria":["No annual fee","security deposit requirement","three-bureau reporting","APR","other fees","graduation potential","account-management features"],"geography":"United States","slug":"best-secured-credit-cards-with-no-annual-fee","title":"Best Secured Credit Cards With No Annual Fee","use_case":"No-Annual-Fee Secured Credit Cards"}}