No credit check required — broadest approval window of any secured card.
Get started at Capital Bank, N.A. → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Applicants with significant credit damage or a bankruptcy history who need a no-credit-check path.
OpenSky® Secured Visa® charges a $35 annual fee and carries a variable APR of approximately 25.64% — lower than most secured cards on this list. A $200 minimum refundable deposit is required; deposits up to $3,000 are accepted.
OpenSky® Secured Visa® — No credit check required — broadest approval window of any secured card. Best for: Applicants with significant credit damage or a bankruptcy history who need a no-credit-check path.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Per OpenSky (verified June 3, 2026, at openskycc.com): OpenSky does not check your credit when you apply. Approval is based on your identity verification and your ability to fund the security deposit. This makes OpenSky one of the most accessible secured cards for applicants with recent bankruptcies, collections, or severe credit damage. The $35 annual fee is the trade-off.
Per OpenSky (verified June 3, 2026): OpenSky does not offer an automatic graduation or product-change program at this time. After establishing 12+ months of on-time payments and strong account history, you can contact OpenSky to request an upgrade review or apply for an unsecured card with another issuer using your improved credit score. Unlike Discover or Capital One, the upgrade process at OpenSky requires you to initiate it.
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.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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