OpenSky Secured Visa Credit Card Review (2026)

The OpenSky Secured Visa is one of the most accessible secured credit cards on the market — and uniquely, it requires no credit check at all. Here’s a detailed look at who it’s best for, what it costs, and how it stacks up.

The Big Advantage: Zero Credit Check

OpenSky is one of the very few cards that genuinely does not pull your credit — not even a soft inquiry. This makes it uniquely accessible for people who have been declined by every other card, have a recent bankruptcy, or have no U.S. credit history at all. ITIN holders can also apply (no SSN required in some cases).

Apply for OpenSky Secured Visa →

How OpenSky Builds Credit

OpenSky reports your payment activity to Experian, Equifax, and TransUnion every month. Consistent on-time payments typically produce score improvements of 30-70 points within 6-12 months for most users. The key is keeping your balance below 30% of your limit and never missing a payment.

Drawbacks

The $35 annual fee is the main downside — the Chime Credit Builder and Capital One Platinum Secured are both free. OpenSky also has no upgrade path to an unsecured card; you’d need to open a new account elsewhere when you’re ready. There are no rewards either.

Who Should Get OpenSky

OpenSky is the right choice if you’ve been denied by Capital One, Discover, and similar cards, or if you have a recent bankruptcy, charge-off, or collections account. It’s also excellent for immigrants and non-citizens who don’t have a Social Security Number.