OpenSky Secured Visa 2026: No Credit Check, $35 Fee

OpenSky Secured Visa Requirements in 2026: No Credit Check and a Deposit From $200

There is no minimum credit score for the OpenSky Secured Visa, and no credit history is required. That is the honest headline. The card is issued by Capital Bank, N.A., a member of the FDIC, and it is built for people with poor, limited, or no credit. Because it is secured by a refundable deposit that becomes your credit limit, the deposit does the work a credit check normally does, so a low score or a past denial elsewhere usually does not stop you. OpenSky also sells a no annual fee version, the OpenSky Plus. This guide covers the real requirements, fees, APR, approval odds, and how to use the card to rebuild.

Who the OpenSky Secured Visa Is For, and What You Need

The OpenSky Secured Visa is a rebuilding card. It fits you if your credit is thin, damaged, or nonexistent, and you want a real Visa that reports to the bureaus without a hard score cutoff. Because the deposit limits the bank’s risk, all credit profiles are accepted, and the requirements come down to identity and the ability to fund the deposit. Have these ready before you apply.

• Age and residency. You must be at least 18, or 21 in some states, and a US resident with a valid mailing address.
• Social Security number or ITIN. Capital Bank uses this to verify your identity.
• A refundable deposit. From $200 to $3,000 on the standard card (from $300 on the Plus). This becomes your credit limit.
• A way to fund the deposit. OpenSky is one of the few secured cards that lets you apply without an existing bank account, since the deposit can be funded by more than one method. Confirm the current funding options when you apply.
• The ability to make the monthly payment. There is no fixed income floor, but you should be able to pay the bill on time every month.

Fees and APR: The Honest Breakdown

This is where you need the real numbers, not the marketing. Here is the honest picture for 2026.

• Annual fee. The standard OpenSky Secured Visa charges a $35 annual fee. The OpenSky Plus Secured Visa has no annual fee, which is the main reason to choose it.
• Purchase APR. The APR is variable and high, as it is on almost every rebuilding card. The standard card runs about 23.89 percent variable, and the Plus runs about 28.24 percent variable. Both are variable and can change with the market, so confirm the rate at the time you apply.
• Deposit. Your refundable deposit sets your limit. The standard card starts at $200, the Plus at $300, and both go up to $3,000. The deposit is returned when you close the account in good standing or graduate to an unsecured card.

The trade-off is simple. The standard card costs you $35 a year but carries a lower interest rate. The Plus skips the annual fee but charges a higher rate and asks for a larger minimum deposit. Either way, the APR only matters if you carry a balance, so the smart move is to pay the statement in full every month and treat the interest rate as a number you never actually touch.

OpenSky Approval Odds

The OpenSky card does not screen you on a score threshold, so approval is broad. Below is an honest view of how odds look by band. Treat these as informed estimates, not a promise from OpenSky or Capital Bank.

FICO Score Range	OpenSky Approval Odds	Notes
670 and up	Very high	You likely qualify for unsecured cards too
580 to 669	Very high	A strong fit for rebuilding with a deposit
500 to 579	High	Approval is common with the deposit in place
Below 500	High	Still possible, since a deposit secures the line
No score or thin file	High	No history needed to be considered

Your score is not the gate. What matters is that you can fund the deposit, verify your identity, and show you can make the monthly payment. If your goal is to build a score from the ground up, a secured card reported to all three bureaus is one of the most reliable tools, and our roundup of the best secured credit cards for 2026 shows how OpenSky compares.

How to Apply for the OpenSky Secured Visa

Do not guess and hope. Follow this plan to get approved and make the card work for you.

1. Check your reports first. Pull Equifax, Experian, and TransUnion so you know where you stand and can correct any errors. Even for a no-check card, clean reports help everything else. Our guide to hard versus soft credit inquiries explains what an application does to your score.

2. Pick the right version. Choose the standard Secured Visa for the lower APR, or the Plus to skip the $35 annual fee. If you pay in full each month, the annual fee matters more than the rate.

3. Choose a deposit you can afford to park. A larger deposit gives you a higher limit, which lowers your utilization, but only fund what you can leave in place while the account is open.

4. Apply online and verify your identity. Complete the application on the OpenSky website or app, provide your details, fund the deposit, and finish the identity check. Approval is usually quick for a secured card.

5. Use it lightly and pay on time. Put one small recurring charge on the card, then pay the statement in full every month. That single habit builds the payment history that is 35 percent of your score.

6. Keep utilization under 30 percent. On a $300 limit, stay under about $90 reported. Low utilization plus on-time payments is what moves the score.

How to Qualify or Build Credit First

You do not have to apply cold. A little cleanup first can cut your utilization and put you in position to graduate to an unsecured card faster. Tired of doing this by hand? Download Credit Booster AI, free on iOS and Android. It scans all three of your credit reports, flags the errors that quietly cost you approvals, generates the letters to get them corrected, and tracks your score as it climbs. Cleaner reports and lower utilization are exactly what help a secured card do its job faster. Our credit utilization guide shows how to keep balances low once the card is open.

Better Alternatives to the OpenSky Secured Visa

OpenSky is a solid rebuilding card, but it is not the only one, and the annual fee is worth comparing.

• No annual fee secured cards. The OpenSky Plus itself removes the $35 fee, and other issuers offer no fee secured cards, some of which pay a small rewards rate.
• First Progress secured Mastercards. Also no minimum score and no history required, with a deposit from 200 to 2,000 dollars. See our First Progress requirements guide.
• Credit builder options for an empty file. If you have no history at all, a secured card plus a second small tradeline works faster. See how to build credit with no history.
• If you were just denied elsewhere. Our guide on how to get approved with challenged credit lays out the rebuilding path in order.

The Bottom Line

The honest bottom line on the OpenSky Secured Visa: there is no minimum score and no credit check, Capital Bank is the issuer, and your refundable deposit from $200 sets the limit and secures approval. The standard card costs $35 a year with a lower APR, and the OpenSky Plus skips the annual fee for a higher rate and a $300 minimum deposit. Both report to all three bureaus, which is the whole point. Pay on time, keep the balance low, and the card does exactly what it is built to do, which is rebuild your credit.

Frequently Asked Questions

What credit score do you need for the OpenSky Secured Visa?

There is no minimum credit score for the OpenSky Secured Visa, and no credit history is required. The card is secured by a refundable deposit that becomes your credit limit, so the deposit does the work a credit check normally does. OpenSky markets the card to people with poor, limited, or no credit, so a low score or a past denial elsewhere usually does not stop you.

Does OpenSky do a credit check?

No. OpenSky states that you can open an account without a traditional credit check on both the Secured Visa and the Plus Secured Visa. Approval focuses on identity and funding the refundable deposit rather than on clearing a score cutoff, which is why it is one of the easier secured cards to be approved for. Policies can change, so confirm the current terms when you apply.

What is the difference between the OpenSky Secured Visa and OpenSky Plus?

Both are secured Visa cards from Capital Bank with no credit check, and they differ mainly on the annual fee and the APR. The standard OpenSky Secured Visa charges a $35 annual fee with a lower variable APR (about 23.89 percent) and a deposit starting at $200. The OpenSky Plus Secured Visa has no annual fee but a higher variable APR (about 28.24 percent) and a higher minimum deposit of $300.

Does the OpenSky card report to all three credit bureaus?

Yes. Capital Bank reports the OpenSky Secured Visa and OpenSky Plus to Equifax, Experian, and TransUnion every month. On-time payments and low balances build positive history over time, while late payments and high utilization can hurt your score. Reporting to all three bureaus is the main reason a secured card helps you rebuild.

Related reading: Weighing your options? Compare the credit requirements at Merrick Bank, Mission Lane, First Progress, and Capital One. For the wider view, read the credit score you need for a credit card.

Sources

• OpenSky, Shop Cards (official card terms)
• OpenSky Plus Secured Visa (official product page)
• Firstcard, OpenSky Secured Credit Card Review 2026
• U.S. News, OpenSky Secured Visa Credit Card 2026 Review

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