Is there really no credit check?

Correct. OpenSky does not perform a hard or soft credit inquiry. They don't even ask for your SSN during the initial application (only for the card itself after approval). Approval is based entirely on your ability to fund the security deposit.

Why does this card have a $35 fee when Discover's secured card is free?

OpenSky's value proposition is access, not cost. It's for people who can't get approved for the Discover it Secured (which does check credit) or who don't have a bank account. If you can get the Discover card, get that instead.

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OpenSky•Visa

OpenSky Secured Visa

Name: OpenSky Secured Visa
Brand: OpenSky
Price: 35 USD

3.8/5

Easiest Secured Card to Get

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Annual Fee$35

APR22.64%

Sign-up BonusNone~$0 value

RewardsNone

Credit Scorepoor

Foreign FeesYes (3%)

+ Pros

✓No credit check at all — true guaranteed approval
✓No bank account needed
✓Reports to all 3 bureaus

− Cons

✗$35 annual fee (Discover it Secured has $0)
✗No rewards program
✗3% foreign transaction fee

Perks & Credits

Guaranteed

No Credit Check

OpenSky does not check your credit score. Approval is based solely on your security deposit ($200-$3,000).

Unique

No Bank Account Required

You can fund your deposit with a debit card or money order — no bank account needed. Unique among secured cards.

Monthly

Reports to All 3 Bureaus

Reports to Experian, TransUnion, and Equifax every month.

Who This Card Is For

→People with no credit history AND no bank account — this is the only major secured card that doesn't require one
→Bankruptcy filers who want guaranteed approval without even a soft pull
→Anyone who has been denied the Discover it Secured and needs a fallback option

Who Should Skip This Card

→Anyone who qualifies for the Discover it Secured — it has $0 fee and earns cash back
→People who already have a bank account — most other secured cards are better
→Anyone who can get approved for an unsecured card

How It Compares

Card	Annual Fee	Best Rate	Score
OpenSky Secured Visa (this card)	$35	0%	3.8/5
Discover it Secured Credit CardBest Card for Building Credit	$0	2%	4.4/5

Frequently Asked Questions