Advertising disclosure
We may earn a commission when you apply through a link on this page. It costs you nothing and it doesn't change what we write.
Read moreOpenSky Plus Secured Visa Credit Card review 2026
A secured card built for people who can't pass a credit check at all, since OpenSky does not check credit to approve applicants. It pairs a refundable deposit with real cash back on everyday categories.
We are not a bank or a card issuer. Every rate and fee below comes from the issuer's own terms page, or a rate-tracking source when the issuer doesn't publish one, with the date we checked it.
The bottom line
Pros and cons
What we like
No credit check required to apply
Earns 1% to 10% cash back on select rotating categories
Reports to all three bureaus
Deposit refunded when the account closes in good standing
What to watch
$300 minimum deposit, the highest starting point in this comparison
28.24% variable APR if a balance carries
No path to an unsecured card built into the product itself
The detailed review
Most secured cards still run a credit check, even a soft one, before approving an application. OpenSky skips that step entirely, which makes the Plus Secured Visa one of the few realistic options for someone who has been declined elsewhere or who wants to avoid an inquiry altogether.
The deposit starts at $300 and can go up to $3,000, becoming the credit line directly. In exchange for the higher entry point, the card earns 1% to 10% cash back on select categories that rotate, a feature rarely found on cards built for no credit check applicants.
If a lower deposit matters more than skipping the credit check, Capital One's Platinum Secured accepts as little as $49, though it does check credit as part of approval.
» MORE: Want a lower minimum deposit instead?
» MORE: See all 6 cards side by side
How it compares
OpenSky Plus Secured Visa
Current Build Card
Capital One Quicksilver Secured Cash RewardsRates and fees from each issuer's page, checked 09/17/2026.