OpenSky Secured Visa Credit Card Review
Capital Bank · People rejected everywhere else who need to start building credit
3.9 / 5 (3456 reviews)
Annual Fee
$35
Rewards
No rewards
Regular APR
25.64%
Credit Needed
Poor (300-579)
Our Expert Verdict
6/10
Editor's Score
OpenSky'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.
Pros
- No credit check whatsoever
- Approval accessible to nearly anyone
- Reports to all 3 bureaus
- Deposit up to $3,000 sets high limit
Cons
- $35 annual fee
- No rewards
- 3% foreign transaction fee
- Limited path to upgrade
Key Benefits & Perks
No credit check required for approval
Reports to all 3 major credit bureaus
Deposit amount sets your credit limit ($200–$3,000)
Can qualify without a bank account
Ready to apply for the OpenSky Secured Visa Credit Card?
People rejected everywhere else who need to start building credit
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