OpenSky Secured Visa
By Alex Compton · Last verified
No credit check at all. Approval rests on your deposit, not your past.
Welcome Bonus
$20
≈$20 value
Spend Requirement
None
Annual Fee
$35
3% FTF
Credit Score
None
required (no credit check)
Current offer note: Limited-time $20 statement credit when approved and the deposit is funded at $300 or more the same day
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 | $20 | No recorded spend | Bonus increased: $0 → $20Limited-time $20 statement credit when approved and the deposit is funded at $300 or more the same day | OpenSky Secured Visa product page and pricing terms → |
| 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 ledger- changed
Limited-time $20 credit when funded at $300+ same day; deposit $200 to $3,000; OpenSky rewards up to 10% at participating merchants.
Fields: currentOffer, earningRates, benefits, cons
OpenSky Secured Visa product page and pricing terms →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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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
- ✦Reports to all three credit bureaus from month one
- ✦Refundable deposit from $200 to $3,000 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 standard rewards rate outside OpenSky's merchant cash back offers
- −No automatic graduation to an unsecured product; OpenSky says 6 to 12 months of history could qualify you for a limit increase or better cards
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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