OpenSky® Secured Visa® Credit Card

Card details
on Capital One's secure website
4.7, 1600 votes
Card details
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 18.14% (Variable)
Annual Fee $35
Recommended credit score
Our Review
  • No credit check
  • Low annual fee
  • No applications fees
  • Easier approval

OpenSky® Secured Visa® Credit Card enables people to qualify even with badly damaged credit because it doesn’t require the credit check, unlike most other secured cards. However, people who issue this type credit card have to meet the income standards. Meanwhile, people don’t need a bank account to set this card separate from other secured cards. They can use the debit card to make the deposit, payment, transfer or order.


The only disadvantage of this card is it cannot be upgraded to an unsecured card.


For people who are working to rebuild credit, as well as for those without access to traditional banking services, the OpenSky Secured Visa Credit Card is an excellent choice.