Capital Bank, N.A.
OpenSky® Secured Visa® Review 2026
No credit check — widest approval window for severely damaged credit.
Who OpenSky® Secured Visa® is best for
Applicants with recent bankruptcy, multiple collections, or scores too low for any soft-pull approval.
At a glance
- Deposit minimum
- $200
- APR
- Variable ~25.64%
- Annual fee
- $35
- Credit check
- None
Refundable security deposit (per OpenSky, Jun 2026)
Lower than most secured cards — verify at openskycc.com
Annual fee applies (per OpenSky, Jun 2026)
No credit pull at all (per OpenSky, Jun 2026)
Pros
- +No credit check at application — widest approval for severely damaged credit
- +Variable APR ~25.64% (per openskycc.com, Jun 2026) is lower than most secured cards
- +Reports to all three major credit bureaus monthly
- +Deposit range $200–$3,000 allows higher credit limits than most secured cards
Cons
- −$35 annual fee — only secured card on this list with a significant annual fee
- −No rewards program
- −No automatic graduation path — requires active issuer contact
OpenSky® Secured Visa® requirements
- US residents 18+
- No credit check — broadest acceptance on this list
OpenSky® Secured Visa® alternatives
Top alternatives worth comparing from Best Credit Cards for Bad Credit 2026.
Discover Bank
Discover it® Secured
Better if you want cash-back rewards and no annual fee
Capital One, N.A.
Capital One Platinum Credit Card
Better if you want no deposit and no annual fee
Mission Lane LLC (issued by Transportation Alliance Bank, Inc. d/b/a TAB Bank)
Mission Lane Visa® Credit Card
Better if you want an unsecured card with transparent fee disclosure
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Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
OpenSky® Secured Visa® scores 4.1 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Applicants with recent bankruptcy, multiple collections, or scores too low for any soft-pull approval.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about OpenSky® Secured Visa®
Can I get OpenSky with a recent bankruptcy?+
Per OpenSky (verified June 3, 2026, at openskycc.com): OpenSky does not check your credit when you apply. Approval is based on identity verification and your ability to fund the $200 minimum security deposit. This means recent bankruptcies, severe collections, and extremely low credit scores do not automatically disqualify you — making OpenSky the most accessible option on this list for applicants with the most severely damaged credit histories.
Is ClearValue Lending a bank or card issuer?+
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. OpenSky® Secured Visa® is issued and operated by Capital Bank, N.A. APRs, deposit requirements, annual fees, and terms are determined solely by Capital Bank, N.A. and may change — verify current terms at openskycc.com before applying.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.
https://clearvaluelending.com/reviews/opensky-secured-visa-badcredit