OpenSky® Secured Visa® Credit Card

Best Secured Card With No Credit Check

  • No credit check required for approval 
  • Doesn't require a checking account 
  • Low APR compared to other secured cards


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On the Secure Website

  • Requires a security deposit
  • Payments can take up to two weeks to clear
  • Charges an annual fee

Application Process: Apply online and get a response within 60 seconds. 

Rewards: None

Bonus Offers: None

APR: 18.64% variable. 

Annual Fee: $35.

Card attributes
  • Variable APR
  • Cash Advance APR
  • Rewards Rate
  • Annual Fee
  • Intro APR
  • Bonus Offers
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit provided becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • Gain access to Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on their website to support you along the way.
  • *View Cardholder Agreement located at the bottom of the application page for details of the card.
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