The OpenSky Secured Visa is the easiest credit card to get approved for in 2026. It requires no credit check and had an 86.14% approval rate in Q1 2025. If you have been turned down by other cards, OpenSky is worth a close look.
Apply for the OpenSky Secured Visa: No credit check required — approval based on your deposit.
Card Overview
| Feature | Detail |
|---|---|
| Annual fee | $35 |
| Purchase APR | 23.89% variable (as of September 18, 2026; see openskycc.com for current rate) |
| Security deposit | $200 minimum, up to $3,000 |
| Credit limit | Equals deposit amount |
| Credit check | None |
| Credit reporting | All three major bureaus (Experian, TransUnion, Equifax) |
| Approval rate | 86.14% (Q1 2025, per openskycc.com) |
Terms verified at openskycc.com on September 18, 2026.
Key Benefits
No Credit Check
OpenSky does not pull your credit file at any stage of the application. Approval depends on your ability to fund the security deposit. This makes the card accessible to people with recent bankruptcies, active collections, or credit scores in the 400s — groups that most card issuers will not approve.
High Approval Rate
An 86.14% approval rate is unusually high for a credit card. Most card issuers target approval rates well below this. The near-certain approval is the card’s core value proposition.
Reports to All Three Bureaus
OpenSky reports payment history to Experian, TransUnion, and Equifax each month. This is important — some cards only report to one or two bureaus. Reporting to all three maximizes your credit-building progress.
Cash Back Offers
OpenSky offers up to 10% cash back at select merchant partners. The availability of specific offers varies. There is also a $20 statement credit when you fund your account with a minimum $300 deposit (as of September 18, 2026 — verify current promotion at openskycc.com).
Drawbacks
$35 Annual Fee
The annual fee is $35. This is modest compared to many bad-credit cards, but the Discover it Secured and Capital One Platinum both have $0 annual fees. If your credit score is above 580, you may qualify for those cards and save the fee.
Higher APR Than Some Competitors
The 23.89% variable APR is actually lower than the Capital One Platinum’s 28.99%. However, Chime Credit Builder charges no interest at all. If you expect to carry a balance, pay it off before interest accrues, or consider Chime as an alternative.
Deposit Cannot Be Used for Payments
Your security deposit is held as collateral. You cannot use it to pay off charges on the card. You must fund payments separately from your regular bank account.
Who Should Apply
OpenSky is designed for people with the most challenging credit situations — recent bankruptcy, multiple collections, no credit history at all, or scores below 500. If other cards have turned you down, OpenSky is the most accessible option that still builds real credit through bureau reporting.
If your score is above 580 and you want to avoid the $35 annual fee, the Capital One Platinum is worth checking first.
Apply for the OpenSky Secured Visa: No credit check required — approval based on your deposit.
How to Apply for OpenSky
- Go to openskycc.com and click Apply Now
- Fill in your personal information — no SSN required for the initial application check
- Choose your deposit amount ($200–$3,000)
- Fund your deposit via debit card, ACH transfer, or money order
- Receive your card in 7–14 business days
Terms verified at issuer websites on September 18, 2026. Card terms change frequently — verify current rates and fees at the issuer’s website before applying.