OpenSky Secured Visa Credit Card
$35/yr
Capital Bank
OpenSky Secured Visa Credit Card
3.9
(3,456 reviews)secured
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026OpenSky's unique advantage is requiring absolutely no credit check — not even a soft pull. If you've been rejected everywhere else due to bankruptcy, collections, or no credit history, OpenSky will approve you as long as you can fund the security deposit. Ideal as a last resort for establishing credit when other options are closed.
Annual Fee
$35
Purchase APR
25.64%
Rewards
No rewards
Sign-Up Bonus
None
Credit Score
Poor (300-579)
Foreign Txn Fee
3%
Who Should Get This Card
The OpenSky Secured Visa Credit Card is best suited for those building credit who people rejected everywhere else who need to start building credit. The $35 annual fee pays for itself if you spend $∞+/year on this card.
This card is great if you…
- No credit check whatsoever
- Approval accessible to nearly anyone
- Reports to all 3 bureaus
- People rejected everywhere else who need to start building credit
Consider another card if you…
- $35 annual fee
- No rewards
- 3% foreign transaction fee
Fees & APR
| Annual Fee | $35 |
| Purchase APR | 25.64% |
| Balance Transfer Fee | None |
| Foreign Transaction Fee | 3% |
| Late Fee | Up to $38 |
Pros & Cons
No credit check whatsoever
Approval accessible to nearly anyone
Reports to all 3 bureaus
Deposit up to $3,000 sets high limit
$35 annual fee
No rewards
3% foreign transaction fee
Limited path to upgrade
The Bottom Line
The Good: The OpenSky Secured Visa Credit Card stands out for its no credit check whatsoever.
The Not So Good: $35 annual fee. The $35 annual fee means you need to use the card actively to justify the cost.
Our Verdict: The OpenSky Secured Visa Credit Card scores 6/10 — a solid option for people rejected everywhere else who need to start building credit. Make sure you'll earn at least $35 in value annually to justify the fee.
Frequently Asked Questions
What is the annual fee for the OpenSky Secured Visa Credit Card?▾
The OpenSky Secured Visa Credit Card has a $35 annual fee. Consider whether the rewards and perks you'll use offset this cost.
What credit score do I need for the OpenSky Secured Visa Credit Card?▾
The OpenSky Secured Visa Credit Card is recommended for applicants with poor (300-579) credit. Approval is not guaranteed and depends on your full credit profile.
Does the OpenSky Secured Visa Credit Card charge a foreign transaction fee?▾
Yes, the OpenSky Secured Visa Credit Card charges a 3% foreign transaction fee on purchases processed outside the U.S.
What is the APR on the OpenSky Secured Visa Credit Card?▾
The OpenSky Secured Visa Credit Card has a variable purchase APR of 25.64%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the OpenSky Secured Visa Credit Card best for?▾
The OpenSky Secured Visa Credit Card is best for People rejected everywhere else who need to start building credit. A key advantage: no credit check whatsoever.
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $0Annual fee: $35
Spend at least $N/A/mo for the rewards to cover the $35 annual fee.
Based on 0% base rewards rate. Bonus category spending may reduce your break-even point.
Customer Reviews
3.9
3,456 reviews
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