⭐ Editor's Choice — Top Rated Pick
OpenSky® Plus Secured Visa®
📍 Available in: US
★★★★★ 4.7 / 5.0
The OpenSky Plus Secured Visa is designed for consumers who have experienced severe financial hardship, bankruptcy, or who have no US credit history and cannot risk a credit check rejection. Because OpenSky does not pull your credit report to make an approval decision, applicants with any credit score (or none at all) can open an account, provide a refundable deposit, and start reporting positive payment history immediately.
Key Facts at a Glance
| APR / Rate | 29.99% Variable APR |
| Credit / Eligibility | No Credit Check Required (Any Score) |
Pros & Cons
✓ Pros
- ✓No hard credit pull means zero risk to your existing credit score
- ✓Guaranteed consideration even with past bankruptcies, foreclosures, or charge-offs
- ✓$0 annual fee on the Plus version eliminates carrying costs
- ✓Reports to all three major bureaus every billing cycle
✕ Cons
- ✕Requires a minimum $300 deposit ($100 higher than most secured cards)
- ✕3% foreign transaction fee on international purchases
- ✕No rewards or cash back program
Key Features
No Credit Check to Apply$0 Annual FeeReports Monthly to Equifax, Experian & TransUnionGraduation Pathway to Unsecured CardInstant Online Application Decision
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