Your Top Match
🏆 OpenSky Secured Visa
No Credit Check, Real Credit-Building
Why this is your top card:
No Credit Check
Flexible deposit
Easy Approval
Cashback
Card Details
Designed for first-time or rebuilding borrowers who want a low barrier to entry and no credit check.
It reports to all three bureaus and requires a refundable security deposit that becomes your credit limit.
Network
Visa
Deposit
$200+
Annual Fee
$35
Pros
No credit check to apply. Helpful if you’re new to credit or looking to rebuild.
Reports to all 3 bureaus: Monthly reporting to Experian, Equifax, and TransUnion helps build history with on-time payments.
2% de cashback em parceiros: Você recebe 2% de volta do que gastar em farmácias, restaurantes e compras internacionais em parceiros.
Low minimum to start. Open an account with a $200 refundable deposit; credit line matches your deposit.
Clear costs & grace period: 24.64% variable APR. At least 25 days grace on purchases when you paid the prior statement in full.
Cons
Annual fee: $35 every year.
Foreign transaction fee: 3% per transaction. Not ideal for international travel.
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