OpenSky

OpenSky Plus Secured Visa

Secured credit cards

A secured Visa with $0 annual fee, no application credit check and a $300–$3,000 refundable deposit. Reports to all three major credit bureaus. The application requires U.S. citizenship or permanent residence and a valid SSN or ITIN.

Pros

  • $0 annual fee.
  • No credit check to apply.
  • Reports to Equifax, Experian and TransUnion.
  • Your $300–$3,000 approved deposit sets the credit line.
  • Up to 10% cash back at select retailers through OpenSky rewards.

Cons

  • Requires U.S. citizenship or permanent residence; temporary visa holders do not meet this stated requirement.
  • 3% foreign transaction fee.
  • Published purchase APR is 28.49% variable; confirm current application terms.
  • Deposit earns no interest and can cover unpaid debt; it does not replace monthly payments.

Generated from the provider's published terms and reviewed against official sources.

Eligibility and application requirements

U.S. address: Required

Residency and other conditions: The current Plus-specific Important Disclosures (tc-sky1p-019.pdf, accurate as of 10/28/2026), linked from the live Plus page and the current Secured Plus application page, are used here. The current application uses a U.S. street address and a U.S. mobile number and states U.S. citizenship or U.S. permanent residence; it accepts SSN or ITIN as the identification number. Earlier generic OpenSky cardholder-agreement text that accepted any government ID and permanent foreign address is not used for this Plus application because it conflicts with the current Plus application. Any 2023 non-Plus-specific article language about temporary visa holders is not used. MoneyLion application routing was excluded because the application presents RoarMoney terms rather than the Capital Bank OpenSky terms.

Geographic restrictions: No state exclusion was identified in the current Plus-specific application disclosures or cardholder agreement. U.S. citizenship or permanent residence and an address are required. State notices in the disclosures establish rights and obligations rather than excluded states. Confirm availability for U.S. territories directly with the issuer; nationwide/territory acceptance is not guaranteed by this record.

Product review: 04 Nov 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare secured credit cards requirements and costs · How we assess published requirements

Annual fee 0 USD
Security deposit 300–3000 USD
Purchase APR 28.49% variable
Foreign currency fee 3%
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Official terms

Checked 4 Nov 2026

Rewards

Not confirmed

What you need to apply

  • Eligible residential address in the U.S. · Minimum age: 18+
  • Credit approval required; paying the security deposit does not guarantee approval.
  • SSN: Conditional
  • ITIN / alternative ID: Accepted
Credit check

None — Hard inquiry inferred from issuer guidance.

How the security deposit works

  • Required deposit: 300–3000 USD
  • Funds remain unavailable for spending or withdrawal while pledged.
  • Deposit return / upgrade to an unsecured card is subject to review.

Remaining costs

No additional reviewed fees are currently listed.

Official sources
Verification notes

Last reviewed: 4 Nov 2026. Details are based on the provider’s published materials at that time.

Read official terms ↗

This information is educational and does not guarantee eligibility or approval. The provider makes the final decision.

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