Underrated Reasons Why You Need a SKYPASS Visa Secured Credit Card

Using this secured card can help you rebuild credit while earning miles for flights with SkyTeam partners.
Amanda JohnsonMar 8, 2021

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Secured cards like the SKYPASS Visa® Secured Card card can be a great option for individuals building or repairing credit. What's more, secured cards with rewards perks are few and far between, which makes this card an even more attractive option.

The card earns points toward Skypass, Korean Air’s frequent flyer program. In addition to miles-earning opportunities, there are a few underrated reasons you need a SKYPASS Visa® Secured Card.

Why a secured card?

Before jumping into its merits, let's first touch on the type of credit card that the SKYPASS Visa® Secured Card is.

A secured credit card typically requires a deposit, which is sometimes equal to the credit limit of the card. This allows individuals with lower credit scores to start building credit while minimizing the risk to the card issuer. The deposit stays in a savings account as insurance, and the cardholder is obligated to make timely minimum payments.

After twelve months of regular payments on a secured credit card, many secured cards, including the SKYPASS Visa® Secured Card, provide options for cardholders to upgrade to an unsecured card (a traditional credit card that does not require a deposit for use).

The well-known reasons

There are a few obvious and well-known reasons to look into the SKYPASS Visa® Secured Card:

  • An easy-to-attain welcome bonus: The SKYPASS Visa® Secured Card’s welcome bonus is easy to obtain: Earn 5,000 SKYPASS bonus miles after your first purchase. The real perk is that you can earn those miles with no minimum spend requirement.

  • An annual renewal bonus: Every year, you’ll receive an additional 1,000 Skypass Bonus Miles when you renew your card and pay the $50 annual fee.

  • Everyday miles: It is one of the few secured credit cards where you can earn rewards. Earn 1 mile for every dollar you spend on eligible purchases, with no limits to earning miles, and build your credit at the same time.

The underrated reasons

Redemption with travel partners

While you’re earning miles on Korean Air, you can use those miles to fly on any of the SkyTeam alliance partners. With 19 member airlines, SkyTeam flies to 1,000+ destinations across 170 countries. For your domestic flight needs, you will be able to redeem your Skypass miles on Delta flights.

Bilingual customer service

One unexpected way the SKYPASS Visa® Secured Card shines is with its bilingual customer service and bilingual account access. For a Korean-speaking resident of the U.S. seeking to begin developing credit, customer service and account access in Korean, as well as English, can be a game changer for protecting and developing your credit score.

Credit tracking

If you’re using a secured card to raise your credit score, you’ll want an easy way to keep monitoring it. The card includes the opportunity to see your VantageScore through TransUnion, making it easy to keep tabs on your credit score each month.

Morning Calm Club Membership

Your purchases on the SKYPASS Visa® Secured Card count toward Morning Calm Club membership. To earn Morning Calm Club, you need to earn 50,000 miles or more on Korean Air; however, 20,000 of those can come from miles you earn on your card.

Morning Calm Club has a number of benefits, the most significant of which includes additional checked baggage, priority baggage handling and access to Korean Air’s Prestige Class lounges up to four times during the two-year membership period.

Make sure you read the fine print of your Morning Calm Club membership, as many benefits are limited to Korean Air flights, not SkyTeam partners, and may have other geographic restrictions.

The bottom line

With a $50 annual fee, this card may not have the perks to make it right for everyone. However, for the Korean-speaking U.S. resident looking to develop their credit in the U.S. while earning rewards, there are few better options.

With bilingual customer service and credit monitoring capabilities, this card brings all the tools you need to track and grow your credit score. It is also a good option for anyone interested in bolstering their Skypass mileage account while building up their credit.


How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2021, including those best for:

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