VisaOpenSky Plus Secured Visa
OpenSky's no credit check approval, now without the annual fee.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
None
required (no credit check)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 0xNo rewards: this card is purely for building credit
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
- ✦Considered for an unsecured OpenSky Gold line after a history of on-time payments
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 rewards
- −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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