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OpenSky Secured Visa Review — No Credit Check Card (2026)
The OpenSky Secured Visa is the only major secured credit card that requires no credit check at all — not even a soft pull. It is the most accessible secured card for people with severe credit damage, recent bankruptcy, or no credit history.
| Card Type | Secured |
| Annual Fee | $35 |
| Minimum Deposit | $200 |
| APR | 25.64% variable |
| Credit Check | None — not even soft pull |
| Upgrade Path | No automatic upgrade |
| Reports to Bureaus | All three |
✓ Pros
- No credit check at all
- Accepts applicants with recent bankruptcy
- Reports to all 3 bureaus
- 25.64% APR — lower than most secured cards
✗ Cons
- $35 annual fee
- No upgrade path to unsecured card
- No rewards
Who Is the OpenSky Best For?
OpenSky is best for people who have been denied every other secured card due to severe credit damage, very recent bankruptcy, or other issues that cause even soft-pull cards to decline. The $35 annual fee is a worthwhile investment in credit building for this audience.
Compare all secured cards for bad credit.