OpenSky's 'No Credit Check' Doesn't Mean 'No SSN'

Short answer: OpenSky's secured card genuinely skips a credit check for approval, but that's a separate claim from not needing an SSN or ITIN — OpenSky's own terms list an invalid SSN as grounds for rejection. Separately, OpenSky's own graduation path to an unsecured card does involve a hard credit pull, even though the secured card itself never checked your credit. Card data last verified 2026-07-23

Two different claims that get conflated

'No credit check' describes whether OpenSky pulls your credit report to decide on approval — it doesn't. It says nothing about whether you need a Social Security number or ITIN to apply, which you still do. Separately, OpenSky's own FAQ states that a hard credit check occurs as part of final processing when a cardholder moves from the secured card to OpenSky's unsecured card — a different step from the no-check secured application most people are thinking of when they pick OpenSky specifically to avoid a credit pull.

What to actually expect with OpenSky

Have a valid SSN or ITIN ready — the no-credit-check claim doesn't remove this requirement
Don't assume the no-check policy extends to every OpenSky product — the unsecured graduation card does a hard pull
If avoiding any hard inquiry matters to you long-term, ask directly what happens at the graduation step before applying

Card matches

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

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Self Credit Builder Account (+ optional Secured Visa)

Eligible Match

Issuer: Self Financial / partner banks

no credit check no credit history ok secured

Check current terms

Firstcard Secured Credit Builder Card

Info Only

Issuer: Firstcard (bank partner not independently confirmed this pass) Annual fee: $0

itin accepted no ssn required passport accepted no credit check secured

Check issuer site

Frequently Asked Questions

Does OpenSky require a Social Security number?

Yes, or an ITIN — 'no credit check' only means OpenSky doesn't pull your credit report to decide on approval, not that identification requirements are waived.

Will I get a hard credit pull if I graduate from OpenSky's secured card?

Yes — OpenSky's own FAQ states a hard credit check occurs as part of final processing for the unsecured graduation card, even though the original secured card never checked your credit.