OpenSky Secured Visa Review
OpenSky Secured Visa
Eligible MatchEligibility at a glance
| ITIN accepted | Yes |
| SSN required | No |
| Credit check | None |
| Security deposit | $200 |
| Annual fee | $35 |
Who this card actually fits
This card fits you if you have no U.S. credit history at all, don't yet have a U.S. bank account, or have been declined elsewhere because of a thin credit file — the no-credit-check approval path exists specifically for that situation. It's a weaker fit if you already qualify for a no-annual-fee secured card, since the $35 fee is on the higher end for this category.
Frequently Asked Questions
Does OpenSky check your credit?
No — OpenSky doesn't run a credit check as part of approval, which is why it's accessible to applicants with no credit history yet.
Do I need a bank account to get OpenSky?
No. OpenSky is one of the few secured cards that doesn't require a linked U.S. bank account to fund the security deposit.
Will I get my $200 deposit back?
Security deposits on secured cards are typically refundable when the account is closed in good standing or upgraded to unsecured — confirm the specific terms on OpenSky's current application before applying.
Is the $35 annual fee charged every year?
Yes, this is stated as an ongoing annual fee, not a one-time charge — factor it into the real cost of the card alongside the refundable deposit.