OpenSky® Secured Visa® Credit Card – Build Credit with Confidence

The OpenSky® Secured Visa® Credit Card is designed for those looking to establish or rebuild credit without the stress of approval barriers.
Unlike many secured cards, it does not require a credit check to apply, making it accessible to individuals with limited or damaged credit histories.

With a refundable security deposit starting at $200, cardholders set their own credit limit based on the amount deposited. This flexibility makes it easier to start small and grow responsibly over time.

The OpenSky card also reports monthly to all three major credit bureaus (Experian, Equifax, and TransUnion), helping you build a positive credit history with consistent, on-time payments.
This feature makes it a reliable stepping stone toward qualifying for unsecured credit cards in the future.

Although it charges a modest annual fee, the lack of a credit check, straightforward structure, and opportunity to establish credit responsibly make it an excellent choice for newcomers or those rebuilding their financial standing.