Discover how to apply for OpenSky® Secured Visa® and unlock credit opportunities – CashCreditDigest

Discover how to apply for OpenSky® Secured Visa® and unlock credit opportunities


The OpenSky® Secured Visa® now features a new benefit, allowing you to earn up to 10% cash back on everyday purchases.

OpenSky® Secured Visa®

Lustezz rating
5 /5
Rates & Fees
See how you can apply Check out the official OpenSky® Secured Visa® website
  • Annual Fee
  • Regular APR
    25.64% (variable)
  • Credit Score
    No credit check


  • Sign-up bonus


Product Details

How can I get a credit card with no credit check?

OpenSky secured Visa cards require a refundable security deposit** that’s equal to your credit limit (for example, $200 security deposit means you have a $200 credit limit). This enables you to open an account without a credit check, so you can still get a card and use it right away to improve your credit score—regardless of your history.

What are the best credit cards for bad credit?

The problem with most traditional credit cards is that you usually can’t get one if you have poor history—which makes it difficult to build the credit you need to improve your score, make progress, and qualify for a card in the first place. With OpenSky, you can access a secured credit card, no credit check and no risk to apply required.

Our take

Can I get a card if I don’t have a checking account?

Yes! OpenSky is one of the few issuers that doesn’t require a linked checking account to apply. Simply choose to pay your security deposit at a later date on your application. Then, after you’ve been approved, you will receive an email back with instructions for other funding options.

What is a secured credit card and how does it work?

Secured cards are a type of credit card that are backed by a cash deposit, but otherwise work just like unsecured cards. The refundable deposit used to fund your OpenSky card is equal to your spending limit. Using it for everyday purchases and making on-time monthly payments helps to grow and improve your score over time.

Navigating the realm of credit can be daunting, especially if past experiences or lack of opportunity have kept you on the sidelines. The OpenSky® Secured Visa® Credit Card emerges as a beacon for those looking to establish or rebuild their financial footprint.

With no credit check required for application, this card presents a unique opportunity to access credit with ease and confidence, making it particularly appealing for anyone who has faced barriers in obtaining credit in the past.

What are the requirements needed to apply?

Embarking on your journey with the OpenSky® Secured Visa® Credit Card is straightforward. Applicants must be at least 18 years old, U.S. citizens or permanent residents, and capable of making the minimum security deposit.

Remarkably, unlike many other credit offerings, OpenSky does not necessitate a credit check, which means your application can proceed smoothly without the anxiety of a potential denial due to credit history.

What documents are required?

The application process is designed with simplicity in mind. You’ll need to provide basic identification information such as your name, address, date of birth, and Social Security number.

Proof of identity, such as a driver’s license, may also be required to complete the application. The focus is on verifying your identity rather than scrutinizing your credit history, ensuring that the process is accessible to all.

The OpenSky® Secured Visa® operates on a straightforward principle: a refundable security deposit sets your credit limit. This deposit, which ranges from $200 to $3,000, secures your line of credit and is fully refundable upon closing your account in good standing.

This structure not only facilitates credit access but also encourages financial discipline by linking your spending limit directly to your deposited funds.

Exploring the versatility of the OpenSky® Secured Visa®

The OpenSky® Secured Visa® Credit Card offers a straightforward avenue for those aiming to establish or rebuild their credit. Let’s explore the most common ways cardholders can utilize this financial tool:

Everyday Purchases

Using the OpenSky® Secured Visa® for daily expenses like groceries or gas is an excellent way to build credit. Since the card reports to the major credit bureaus, regular, responsible use can positively impact your credit score. It functions just like any other Visa card, accepted widely for all types of transactions.

Managing Online Subscriptions

The card can also be effectively used for handling recurring payments such as online subscriptions to services like streaming platforms or software. This is a handy way to ensure that your payments are consistent, which is a key factor in improving your credit history.

Covering Emergency Expenses

For unexpected expenses that arise, the OpenSky® Secured Visa® can be a reliable fallback option. Having the card ready for unforeseen costs like car repairs or medical bills ensures you’re prepared without impacting your regular financial flow.

Securing Rentals and Bookings

Whether renting a car or booking a hotel, a credit card is often necessary. The OpenSky® Secured Visa® fulfills this need while helping you build credit, given its standard Visa benefits and global acceptance.

Our advice for applying for the OpenSky® Secured Visa®

If you’re considering applying for the OpenSky® Secured Visa® Credit Card, here are some tips to ensure you’re set for success:

  • Understand the Deposit Requirement: Be prepared to make a refundable security deposit between $200 and $3,000, which will also serve as your credit limit. This deposit is crucial as it secures your line of credit.
  • No Credit Check: One of the significant advantages is that applying for the card does not involve a credit check. This means you can apply without the worry of a hard inquiry on your credit report, making it ideal for those with no credit or poor credit history.
  • Budget for the Annual Fee: There is a $35 annual fee for using the OpenSky® Secured Visa®. While this is relatively modest, it’s important to factor this into your financial planning.
  • Plan Your Usage: To maximize the benefits, use the card regularly but cautiously. Keep your balances low (ideally under 30% of your credit limit) and always pay on time. This disciplined approach will help boost your credit score over time.
  • Future Planning: After establishing a period of consistent payments, consider requesting a credit line increase. This can improve your credit utilization ratio, a key factor in your credit score.
  • Stay Informed: Regularly review your account and track your credit score through the resources provided by OpenSky. This will help you understand how your financial behaviors impact your credit rating and allow you to make adjustments if needed.

By following these guidelines, you can use the OpenSky® Secured Visa® to not just manage your finances but also pave the way to a stronger financial future.

Weighing advantages and disadvantages: Is the OpenSky® Secured Visa® worth it?

The OpenSky® Secured Visa® Credit Card presents a compelling option for those looking to establish or rebuild their credit.

It’s particularly valuable for individuals who may have faced challenges in securing credit due to past financial issues or a lack of credit history.


  • No Credit Check Required: One of the standout features of the OpenSky® Secured Visa® is that it does not require a credit check. This means you can apply without the fear of a hard inquiry impacting your credit score, making it accessible for people with poor or no credit history.
  • Reports to All Major Credit Bureaus: By reporting to Equifax, TransUnion, and Experian, the card helps you build a credit history. Regular, on-time payments can lead to significant improvements in your credit score.
  • Control Over Credit Limit: Your credit limit is tied directly to the refundable deposit you make, ranging from $200 to $3,000. This flexibility allows you to set a limit that suits your financial situation and comfort level.


  • Annual Fee: There’s a $35 annual fee, which, while reasonable, is still a factor to consider if you’re minimizing costs.
  • Interest Rates: The card carries a relatively high APR, which means carrying a balance can be costly.

Is It Worth It?

For those new to credit or looking to rebuild, the advantages of the OpenSky® Secured Visa® Credit Card outweigh its disadvantages.

It’s particularly worth it if you are looking for a straightforward way to enhance your credit score without the risk of a credit inquiry.

Additionally, the ability to choose your credit limit based on the deposit you provide gives you control over your spending and ensures you can manage your finances more effectively.

Apply for the OpenSky® Secured Visa® Credit Card on the Official Website Once and for All!

Ready to take control of your financial future? Don’t wait any longer. Click the button below to apply for the OpenSky® Secured Visa® Credit Card directly on the official website.

With no credit check required and the opportunity to build a positive credit history, you’re just a few clicks away from beginning your journey towards better credit. Take this step towards financial empowerment today!