OpenSky Secured Visa
No credit check at all. Approval rests on your deposit, not your past.
Welcome Bonus
None
No welcome bonus, secured deposit required
Spend Requirement
None
Annual Fee
$35
3% FTF
Credit Score
None
required (no credit check)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 0xNo rewards: this card is purely for building credit
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No hard pull and no credit check at application
- ✦Reports to all three credit bureaus from month one
- ✦Refundable deposit from $200 sets your credit line
Why it earns its spot
- +Approval is possible after bankruptcy or with no credit file at all
- +Applying never dings your score
- +Consistent three-bureau reporting
Where it costs you
- −$35 annual fee
- −No rewards
- −No automatic graduation to an unsecured product
The Compound Verdict
The card for people the other issuers turn away. No credit check means a bankruptcy, a thin file, or no file at all does not block you. Pay the $35 fee for a year or two, build the history, then move on to a better card.
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