OpenSky Plus Secured Visa
No credit check and a deposit as low as $150 make this one of the more accessible secured cards available.
Building credit with no hard inquiry in the way is the idea behind the OpenSky Plus Secured Visa, which does not require a credit check to apply.
If a bank has rejected you or you have no credit file yet, this is the kind of card designed to give you a way in.
Key points: a refundable deposit of $300 to $3,000, a $0 annual fee and bureau reporting to Equifax, Experian and TransUnion.
Why is the OpenSky Plus Secured Visa worth it?
With a secured card, your own money backs the limit. That is why OpenSky can accept applicants without looking at their credit, and why the card is mostly about creating a payment history.
Advantages
- Applying does not require a credit check
- Holding the card costs $0 a year
- Choose your limit with a deposit between $300 and $3,000 (approval required)
- Reports to all three major credit bureaus
- Autopay and alerts through the app
Disadvantages
- The minimum $300 deposit can be a lot to lock up
- Revolving a balance costs 28.24% APR on purchases
- Your limit never exceeds your deposit
Important notice: this content is informational and based on official sources. We do not act as a financial intermediary.
Inside the OpenSky Plus Secured Visa
OpenSky offers the card on the Visa network. You send in a refundable security deposit, and that deposit becomes your credit limit.
What helps your credit file is the reporting. OpenSky passes your payment activity to Equifax, Experian and TransUnion, which means steady on-time payments can gradually show up on each report.
Key information
- Card brand: Visa
- Yearly fee: $0
- Deposit range: $300 to $3,000 (refundable, subject to approval)
- Credit check: not required to apply
- APR for purchases: 28.24%
- Reports to: Equifax, Experian, TransUnion
Last updated: 01/10/2026
Digital platform: the OpenSky app
Inside the app you can schedule autopay and turn on alerts. The card can also be added to Apple Pay and Google Pay, according to OpenSky.
Who is the OpenSky Plus Secured Visa ideal for?
A newcomer to credit, or someone repairing a poor record, who has $300 or more to deposit and will pay on time, is the target user.
People who need a larger limit than they can fund, or who expect to leave balances unpaid, will be better off elsewhere.
Common questions
Will applying hurt my credit with a hard inquiry?
OpenSky says it does not require a credit check to apply.
What is the smallest deposit allowed?
$300. It can go up to $3,000, subject to approval, and it is refundable.
What does it cost every year?
Nothing. There is no annual fee.
Is the OpenSky Plus Secured Visa a good option?
For the right person it is a low-barrier route to a credit history. The main drawbacks are the $300 minimum deposit and the 28.24% purchase APR.
Open the full details page to see the application steps and how to reach OpenSky.
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