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OpenSky vs. Petal

Short answer: OpenSky is the better fit if you have no U.S. credit history, no bank account yet, or have been declined elsewhere — its no-credit-check approval exists specifically for that. Petal is the better fit if you'd rather not tie up a security deposit and have income documentation to show. Compared 2026-07-21

Side by side

OpenSky Secured Visa Petal 2 Visa Credit Card
Annual fee $35 $0
Security deposit $200 None
ITIN accepted Yes Yes
Credit check None Standard

Which one fits your situation

Pick OpenSky Secured Visa if...

You have zero U.S. credit history, don't have a U.S. bank account, or want approval odds that don't depend on an income review.

Pick Petal 2 Visa Credit Card if...

You'd rather skip a security deposit and annual fee entirely, and you have income documentation to support an unsecured application.

OpenSky Secured Visa

Eligible Match
Issuer: Capital Bank, N.A. Annual fee: $35 Min deposit: $200
itin accepted no ssn required passport accepted no credit check no bank account required secured
Check current terms

Petal 2 Visa Credit Card

Eligible Match
Issuer: WebBank (Petal / Tilt Card, Inc.) Annual fee: $0
itin accepted no ssn required no annual fee no credit history ok unsecured
Check current terms

Frequently Asked Questions

Is OpenSky or Petal easier to get approved for?

OpenSky doesn't run a credit check at all, which makes its approval path more predictable if you have no credit history. Petal evaluates the application more broadly, including income, so its approval odds are less predictable for applicants with no financial history in the U.S. yet.

Which card costs more to hold?

OpenSky has a $35 annual fee plus a refundable $200 minimum deposit. Petal has no annual fee and no deposit, making it cheaper to hold if you're approved.

Can I get both?

There's no rule against holding both, but most people starting with no credit history are better served picking one, building a track record, and adding a second card later once they have an established payment history.

Related guides

Credit Card Without SSNSecured Cards for Immigrants

Free: The No-SSN Credit Card Checklist

The exact documents to have ready before you apply — ITIN or passport, proof of address, proof of income — one printable page.

Advertiser Disclosure: some links on this site are affiliate links — we may earn a commission if you're approved through them, at no cost to you. This never affects which cards we show or how we describe their requirements. Full disclosure & methodology.