Build credit without a credit check while enjoying reliable Visa coverage, flexible approval, and monthly reporting that helps you move forward financially.
OPENSKY SECURED VISA
Credit limit up to $5,000
No penalty APR
You will remain on the current site
The OpenSky Secured Visa Credit Card has earned a strong reputation in 2025 as one of the most beginner-friendly and recovery-oriented credit cards available. It’s specifically designed for individuals who need to establish or rebuild their credit profiles—whether they’re just starting out, have faced past delinquencies, or recently emerged from bankruptcy. What truly sets it apart is that OpenSky does not run a hard credit check. That means even those with poor or no credit history can apply confidently without fear of rejection due to their FICO score.
Instead of traditional underwriting, the card’s approval relies on a refundable security deposit. You can choose your credit limit—from $200 to $3,000—based entirely on how much you deposit. This simple structure empowers applicants who’ve been turned away elsewhere and offers a genuine second chance.
Beyond accessibility, OpenSky focuses on fundamentals. It reports to all three major credit bureaus every month, allowing users to build positive credit history with responsible use. There’s also a straightforward $35 annual fee, with no hidden charges or confusing reward gimmicks. That makes it easier for users to focus on credit improvement rather than chasing complicated bonuses.
Key Benefits:
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No credit check required to apply
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Reports to Equifax, Experian, and TransUnion monthly
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Low and predictable $35 annual fee
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Choose your own credit limit with refundable deposit ($200–$3,000)
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99% approval odds—perfect for new credit users or post-bankruptcy recovery
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Online application takes less than 5 minutes
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Helps boost FICO scores with on-time payments
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Widely accepted Visa card usable for travel and online purchases
Side-by-Side Comparison:
| Feature | OpenSky Secured Visa | Discover it Secured |
|---|---|---|
| Annual Fee | $35 | $0 |
| Credit Check | No | Yes |
| Reports to All 3 Bureaus | Yes | Yes |
| Refundable Security Deposit | Yes | Yes |
| Minimum Deposit | $200 | $200 |
| Credit Limit Increase Potential | After 6 months | After 7 months |
Is It Really Worth It?
Absolutely—if your goal is building credit fast with minimal risk. The OpenSky Secured Visa won’t offer flashy rewards or high limits at first, but it provides something far more valuable: access. Whether you’re recovering from financial hardship or starting your credit journey, the card gives you a structured, predictable way to improve. And because it works like a standard Visa, you can use it to pay bills, book hotels, rent cars, and shop online—just like a regular card. Many users report score improvements of 40 to 60 points within six months of consistent use.