OpenSky Plus Secured Visa
What this card costs, and how easily you get in.
No credit check and no yearly fee makes it the easiest door in. There is no named upgrade program, so you move on by applying elsewhere.
Terms apply. See rates & fees on OpenSky. Rankings are pure math, never sold.
What it costs to start
Someone starting out or rebuilding, with no spending assumed. Figures as of October 2, 2026, the day the terms were last verified.
Opening it takes a $300 refundable deposit, and holding it costs $0 a year. There is no hard credit check to apply. There is no set path from this card to an unsecured one; you move on by applying for another card. For anyone starting out, it places third of the 6 building credit cards we’ve confirmed.
Of the 6 building credit cards we’ve confirmed, its deposit is the highest, and 5 charge no annual fee. Of those 6, 4 run no hard credit check. Ranked just above it is the Capital One Quicksilver Secured. It has the clearest way out: pay on time, get your deposit back, move to the unsecured Quicksilver. Just below it is the Varo Believe. Free and no credit check, but it needs a funded Varo account and has no set path to a real card.
Who it fits
It fits if
- You have been turned down before: it runs no hard credit check.
- You want it to cost nothing to hold.
Look elsewhere if
- You cannot set aside $300 for the deposit.
- You want the bank to move you to an unsecured card: there is no set path.
Plain facts
- Who gets approvedNo credit check. No credit check to apply. Approval doesn't hinge on your score.
- The issuer’s terms governRates, fees and bonus conditions are set by OpenSky and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from OpenSky’s own published terms, last verified October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 all 2 of the figures it watches here were still printed there. How we check
What people ask about it
Do I get the deposit back?
Yes. The $300 minimum deposit is refundable.
How do I move on to an unsecured card?
OpenSky publishes no set path from this card. You move on by applying for another card once your history is built.
What does it cost over the first two years?
Nothing. There is no annual or monthly fee.
Where it shows up
Every ranking and comparison with the OpenSky Plus Secured Visa in it, each computed the same way.
- Best card for building creditCapital One Platinum Secured first, from a $49 deposit.
More cards like this
- Yearly fee $0Capital One Platinum SecuredCapital One · for fair credit or a thin file, $49 refundable deposit
- Yearly fee $0Capital One Quicksilver SecuredCapital One · for fair credit or a thin file, $200 refundable deposit
- Yearly fee $0Varo BelieveVaro · for no credit history, no credit check and no deposit
The three building credit cards beside this one on our list of every card. See every card