OpenSky Secured Visa
By Alex Compton · Last verified
No credit check at all. Approval rests on your deposit, not your past.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Terms reconfirmed | Archive record · no attached snapshot |
| 2022-01 | $0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-09 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 0xNo rewards: this card is purely for building credit
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦No hard pull and no credit check at application
- ✦Reports to all three credit bureaus from month one
- ✦Refundable deposit from $200 sets your credit line
Why it earns its spot
- +Approval is possible after bankruptcy or with no credit file at all
- +Applying never dings your score
- +Consistent three-bureau reporting
Where it costs you
- −$35 annual fee
- −No rewards
- −No automatic graduation to an unsecured product
The Compound Verdict
The card for people the other issuers turn away. No credit check means a bankruptcy, a thin file, or no file at all does not block you. Pay the $35 fee for a year or two, build the history, then move on to a better card.
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