Best for No Credit Check
The OpenSky® Secured Visa® card is notable … because no credit check is required for approval. That means you can begin rebuilding your credit right away, no matter how damaged it may be. - WalletHub (October 5th, 2017)
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Best for No Credit Check
The OpenSky® Secured Visa® card is notable … because no credit check is required for approval. That means you can begin rebuilding your credit right away, no matter how damaged it may be. - WalletHub (October 5th, 2017)
Apply Now Apply NowHow does the OpenSky® Secured Visa® Credit Card build your credit?
You make it happen
No credit check to apply
We don't pull your credit when you apply — so there’s no impact on your credit score.
You set the credit limit
Your credit limit is defined by your refundable deposit, as low as $200 and up to $3000*. You’re the one who decides what’s best for you.
*Subject to approval
Use your card for everyday purchases
Use your card to make purchases like gas or groceries, or for recurring bills like your phone, without changing your total monthly budget.
Make your payment
Make at least your minimum payment on time each month. Helpful hint: set up automated email alerts and never miss a payment.
We report to all three major credit bureaus
Equifax®, Experian® and TransUnion® get reports every month — that's important to help you quickly improve your credit score.
Secured cards ask for a security deposit at sign up. Why?
The refundable deposit you make when you open your account is important, because it means you can open an account without a credit check — no matter your credit history.
The security deposit becomes the foundation for your credit limit — you use it to help build your credit.
- Security deposit as low as $200
- FDIC-insured deposit
99% of our OpenSky® Secured Visa® cardholders who started without a credit score were able to build their score in as little as six months.
Works like a traditional credit card
All the benefits of a Visa®
This isn't some sort of a "starter card." The OpenSky® Secured Visa® delivers all the benefits of a Visa credit card.
This isn’t some sort of a “starter card.” The OpenSky® Secured Visa® delivers all the benefits of a Visa® credit card, including worldwide acceptance, fraud protection and more. In fact, nobody will know it’s a secured card but you.
It has one of the lowest annual fees you'll find.
One of the lowest you’ll find among leading secured cards. We don’t charge an application fee, processing fee or servicing fee. Click here to review our terms and conditions.
Email Alerts & More
You can set up email alerts to act as reminders, like when your payment is due or when a credit/return has posted.
Set email alerts to act as a reminder to make your payment, or let you know when you’re approaching your credit limit. Set up recurring automatic payments to ensure your card is paid on time. Even review your available credit limit prior to bigger purchases.