If you’re new to credit or working to repair your score, the OpenSky® Secured Visa® Credit Card could be the tool you need to take control of your financial future. With no credit check required to apply, flexible deposit options, and a strong credit-building framework, OpenSky helps you lay a solid foundation for long-term financial success.
Unlike many traditional credit cards, the OpenSky Secured Visa doesn’t require a prior credit history or even a bank account. Whether you’re starting fresh or making a comeback, this card provides access, flexibility, and the structure you need to build your credit — all backed by the trust of Visa.
A Straightforward Path to Building Credit
The OpenSky Secured Visa is not a rewards card — it’s a financial tool designed with a single, essential goal: helping you build or rebuild your credit. Each time you use the card responsibly, your activity is reported to all three major credit bureaus (Experian, Equifax, and TransUnion). That means timely payments and low balances can actively work in your favor, raising your credit score over time.
OpenSky’s program has helped countless cardholders see significant score improvements — even within the first six months of responsible use.
A Smarter Way to Save While You Spend
Though this card doesn’t offer cash back or points, the long-term value lies in reduced interest costs and improved financial access down the road. By using the OpenSky card to build your score, you may eventually qualify for credit products with lower APRs, higher limits, and greater benefits.
This focus on financial progression makes the OpenSky card ideal for people who want to avoid debt traps and concentrate on growing their credit profile without distractions.
Tools to Help You Succeed
The OpenSky Secured Visa Credit Card includes several features that support financial discipline and ease of use:
- Free monthly FICO® score access: Track your progress directly from your online dashboard.
- Spending alerts and payment reminders: Stay in control of your balance and avoid missed payments.
- Mobile-friendly platform: Manage your card from your smartphone with ease.
- Visa protection and acceptance: Shop and pay securely anywhere Visa is accepted.
OpenSky also provides useful financial education tips and credit-building advice on their blog, supporting your growth with knowledge.
Security That Works for You
This card uses a refundable security deposit to set your credit limit — starting as low as $200 and going up to $3,000. This collateral reduces the issuer’s risk while giving you the same purchasing power as a regular Visa card.
- Zero Liability Protection ensures you’re not responsible for unauthorized purchases.
- EMV chip technology keeps your data secure with advanced encryption.
- Real-time fraud alerts keep you informed and protected if suspicious activity is detected.
These features help secure your spending and your path toward financial freedom.
Understand the Terms Before You Start
Here’s a breakdown of the key terms for the OpenSky Secured Visa:
- Annual Fee: $35
- Regular APR: 25.64% (variable)
- Security Deposit: $200–$3,000 (refundable)
- No Credit Check: Your credit won’t be pulled during the application
- Foreign Transaction Fee: 3%
- Late Payment Fee: Up to $40
💡 Tip: Pay your balance in full each month to avoid interest and maximize your credit-building efforts.
Who Can Apply?
You may qualify for the OpenSky Secured Visa if you:
- Are at least 18 years old
- Have a valid Social Security number or Individual Taxpayer Identification Number (ITIN)
- Can provide a refundable security deposit of at least $200
- Have a U.S. mailing address (P.O. boxes accepted)
- Are not currently in bankruptcy
No credit check means your approval is primarily based on your ability to provide the security deposit — not your credit score.
How to Apply
Applying for the OpenSky Secured Visa is quick and straightforward:
- Visit the official OpenSky website.
- Fill out the application form with your personal and financial information.
- Choose your credit limit by selecting your refundable security deposit amount.
- Submit your deposit via debit card, bank transfer, or money order.
- Wait for approval, typically within 1–2 business days.
Once approved, your card is mailed to you and your credit-building journey begins.
