OpenSky® Plus Secured Visa® Review (2026)
What is the OpenSky® Plus Secured Visa®?
OpenSky's no-fee sibling. Same no-credit-check approval, but no annual fee and a higher minimum deposit. If you have $300 to put down, this is the cleanest no-fee, no-credit-check card on the shelf.
Written by FairScoreGuide Editorial — Editorial Desk · Last updated
Issuer: Capital Bank, N.A. · credit cards · Editorial score: 8.2/10
Overview
OpenSky's no-fee sibling. Same no-credit-check approval, but no annual fee and a higher minimum deposit. If you have $300 to put down, this is the cleanest no-fee, no-credit-check card on the shelf.
At a glance
- Editor rating
- 8.2/10Editor’s rating 8.2 out of 10
- Annual fee
- $0
- APR range
- ~28.99% variable
- Typical credit
- No score check at application
Best for
- Rebuilders with $300+ to deposit who want zero ongoing fees
- Anyone who already shops at OpenSky's listed partner brands
Features
- No credit check at application
- $0 annual fee — no recurring drag on your rebuild budget
- Up to 10% cash back at participating partner brands
- Reports to all three major credit bureaus
- Credit-line increases possible after six months in good standing
Fees
| Annual fee | $0 |
|---|---|
| Minimum security deposit | $300 |
| Foreign transaction fee | 3% |
| Late payment fee | Up to $40 |
Pros
- No credit check and no annual fee — uncommon combination
- Partner-brand rewards add real value if you shop the list
- Three-bureau reporting accelerates rebuild signal
Cons
- $300 minimum deposit is steeper than the standard OpenSky
- Foreign transaction fee makes this a weak travel choice
Alternatives
Offer availability and terms can change. Confirm current APR, fees, and eligibility requirements on the issuer page before submitting an application.
Common questions
Is this review independent?
Yes. Ratings reflect editorial criteria described in our review methodology. We may earn a commission when you apply through partner links.
Will applying affect my credit?
Credit card applications typically involve a hard inquiry. Check for prequalification options on the issuer site when available.
How often is this page updated?
We refresh key facts when issuer disclosures change. See the published date signals on this page and our data sourcing notes for methodology.