OpenSky Secured Visa
OpenSky · Building Credit review
Applicants with significant credit damage or a bankruptcy history who need a no-credit-check path back — OpenSky runs no
Sorted by score, never commission
Annual fee
$35
Charged each renewal year
Ongoing APR
Approx. 25.64% variable — verify at openskycc.com
Variable — verify the current range at the issuer
As of July 8, 2026
Best for
Applicants with significant credit damage or a bankruptcy history who need a no-credit-check path back — OpenSky runs no credit check at all, so any applicant who can fund the refundable deposit ($200–$3,000, which sets the limit) can apply. It reports to all three bureaus monthly, and the variable APR (~25.64%) is lower than most secured cards.
Not for
Anyone who can qualify for a no-annual-fee secured card like the deposit-free Chime Card, or the Discover it Secured once it reopens applications (Discover paused new ones 2026-06-02 pending a Capital One relaunch) — OpenSky charges a $35 annual fee that no other card on the builder list carries.
The catch
There's no automatic graduation review — you have to actively contact the issuer after 12+ months to move up — and the $35 annual fee eats into your credit limit if you don't pay it immediately. The tradeoff you're buying is guaranteed access with no credit check. Verify the current APR at openskycc.com.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $35
- Ongoing APR
- Approx. 25.64% variable — verify at openskycc.com
- Schumer Box sourced
- July 8, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Get an email when OpenSky Secured Visa's offer changes.
We track OpenSky Secured Visa's current offer and terms. We'll email you the moment they change — no checking back.
Frequently asked
Is the OpenSky Secured Visa's $35 annual fee worth it?
The OpenSky Secured Visa charges a $35 annual fee. In our review it earns a fees score of 13/20 — the "How we scored this card" section below shows how we weigh that against the rewards and benefits. Applicants with significant credit damage or a bankruptcy history who need a no-credit-check path back — OpenSky runs no credit check at all, so any applicant who can fund the refundable deposit ($200–$3,000, which sets the limit) can apply. It reports to all three bureaus monthly, and the variable APR (~25.64%) is lower than most secured cards.
What APR does the OpenSky Secured Visa charge?
Approx. 25.64% variable — verify at openskycc.com. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Who is the OpenSky Secured Visa best for?
Applicants with significant credit damage or a bankruptcy history who need a no-credit-check path back — OpenSky runs no credit check at all, so any applicant who can fund the refundable deposit ($200–$3,000, which sets the limit) can apply. It reports to all three bureaus monthly, and the variable APR (~25.64%) is lower than most secured cards.
Who should skip the OpenSky Secured Visa?
Anyone who can qualify for a no-annual-fee secured card like the deposit-free Chime Card, or the Discover it Secured once it reopens applications (Discover paused new ones 2026-06-02 pending a Capital One relaunch) — OpenSky charges a $35 annual fee that no other card on the builder list carries.
How did ClearValue score the OpenSky Secured Visa?
OpenSky Secured Visa scored 67/100 — "Niche / conditional". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the OpenSky Secured Visa
Other secured cards we've scored, ranked by our methodology.
- DiscoverCanon
Discover it Secured
90/100Annual fee$0Ongoing APR26.49%Intro APR10.99% · 6 moBest forCredit-builders who want a $0 AF secured card that reports to all three bureaus, earns rotating-category cashback, AND g
Fees sourced from issuer terms · 2026-08-15
- Capital OneSolid pick
Capital One Quicksilver Secured
89/100Annual fee$0Ongoing APR28.99%Foreign txn feeNoneBest forCredit-builders who want a secured card that reports to all three bureaus AND earns 1
Fees sourced from issuer terms · 2026-07-15
- Capital OneWorth considering
Capital One Platinum Secured
77/100Annual fee$0Ongoing APR28.99%Foreign txn feeNoneBest forPeople rebuilding credit who want to minimize the cash tied up in a deposit — qualifying applicants can open a $200 cred
Fees sourced from issuer terms · 2026-07-21
