OpenSky Plus Secured Visa
By Alex Compton · Last verified
OpenSky's no credit check approval, now without the annual fee.
Welcome Bonus
$70
≈$70 value
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
None
required (no credit check)
Current offer note: Limited-time statement credit: $30 for funding a $500 deposit or $70 for funding $1,000 the same day as approval, one per customer
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $70 | No recorded spend | Bonus increased: $0 → $70Limited-time statement credit: $30 for funding a $500 deposit or $70 for funding $1,000 the same day as approval, one per customer | OpenSky Plus Secured Visa product page and pricing terms → |
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Limited-time $30/$70 credit for funding $500/$1,000 same day; OpenSky rewards added; Gold graduation no longer listed. Fee, APR and deposit confirmed.
Fields: currentOffer, earningRates, benefits, cons
OpenSky Plus Secured Visa product page and pricing terms →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Earning Rates
- 0xNo standard rewards rateOpenSky rewards pays up to 10% cash back on everyday purchases at participating merchants
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No hard pull and no credit check at application
- ✦No annual fee, unlike the original OpenSky Secured
- ✦Refundable deposit from $300 up to $3,000 sets your credit line
- ✦Reports to all three credit bureaus from month one
- ✦After 6 to 12 months, you could qualify for a credit limit increase, better cards, loans and rates
Why it earns its spot
- +No credit check plus no annual fee is a rare combination
- +Applying never dings your score
- +Deposit cap of $3,000 supports a real credit line
Where it costs you
- −$300 minimum deposit is higher than the $200 standard
- −No standard rewards rate outside OpenSky's merchant cash back offers
- −28.24% variable APR if you ever carry a balance
The Compound Verdict
This is the OpenSky card to get. Same no credit check approval as the original, but the $35 annual fee is gone. The tradeoff is a $300 minimum deposit instead of $200, which is worth it after the first year alone. If you have been turned away elsewhere, start here instead of the classic OpenSky.
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