What Is the Best Secured Credit Card With No Credit Check?
The opensky® Plus Secured Visa® Credit Card is one of the best options to consider if you want a secured credit card with no credit check and no annual fee. opensky® says no credit check is required and advertises an 89% approval rate, making its secured cards especially interesting if you have bad credit or no established credit history.
There are actually three opensky® secured cards worth looking at, and they aren't identical. The Plus card has a $0 annual fee, the Launch card starts with a lower security deposit, and the regular opensky® Secured Visa® has a lower listed APR than the other two.
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Why Consider a Secured Credit Card With No Credit Check?
A secured card with no credit check can be particularly useful if your credit history is keeping you from getting approved for other cards. Instead of making your credit report the deciding factor, a secured card requires a refundable security deposit that secures your credit line.
That makes a no-credit-check secured card different from many traditional secured cards. You can have poor credit or no credit history and still have an opportunity to open an account and begin establishing a positive payment history.
opensky® says its secured cards don't require a credit check and reports accounts to all three major credit bureaus.
opensky® Plus Secured Visa® Credit Card
If I were looking specifically for a secured card with no credit check and no annual fee, this is the opensky® card I'd look at first.
The opensky® Plus Secured Visa® Credit Card has a $0 annual fee, while still offering the no-credit-check application process. The security deposit starts at $300, and the credit line ranges from $300 to $3,000 at the time of application.
The card also offers up to 10% cash back on everyday purchases and reports your account to Experian, Equifax and TransUnion. The listed purchase APR is 28.24% variable.
If your primary goal is finding a secured card that doesn't require a credit check without having to pay an annual fee, the Plus card is a particularly straightforward option to consider.
➤ Check Out the opensky® Plus Secured Visa® Credit Card
opensky® Launch Secured Visa® Credit Card
The opensky® Launch Secured Visa® Credit Card may make more sense if the amount of your initial deposit is the biggest concern.
The Launch card starts with a $150 refundable security deposit and provides a credit line from $150 to $1,000. Like the other opensky® secured cards discussed here, it does not require a credit check.
The Launch card has an annual fee of $24 during the first year, paid in $2 monthly installments, and $36 after the first year, paid in $3 monthly installments. The listed purchase APR is 28.24% variable.
It also offers up to 10% cash back on everyday purchases and reports your payment history to all three major credit bureaus.
So while the Plus card eliminates the annual fee, the Launch card gives you a lower starting deposit requirement.
➤ Check Out the opensky® Launch Secured Visa® Credit Card
opensky® Secured Visa® Credit Card
The regular opensky® Secured Visa® Credit Card is another no-credit-check option, and it has a lower listed APR than the other two cards discussed here.
The refundable security deposit starts at $200, and the credit line ranges from $200 to $3,000 at the time of application.
The card has a $35 annual fee and a listed purchase APR of 23.89% variable. It also offers up to 10% cash back on everyday purchases and reports your account to Experian, Equifax and TransUnion.
If you're looking at these three cards and expect that you may carry a balance, the lower listed APR is something you'll want to take into account. If avoiding an annual fee is more important, the Plus card may be the more interesting choice.
➤ Check Out the opensky® Secured Visa® Credit Card
Do opensky® Secured Cards Require a Credit Check?
No. opensky® says a credit check is not required for its secured credit cards. That's the feature that makes these cards particularly relevant if you're searching specifically for a secured card with no credit check.
opensky® also advertises an 89% approval rate. Of course, an advertised approval rate isn't a guarantee that every applicant will be approved, but it helps explain why opensky® has become such a prominent option for people looking for credit-building cards without a traditional credit check.
Which opensky® Card Has the Lowest Deposit?
The opensky® Launch Secured Visa starts with the lowest deposit of the three cards discussed here, at $150. The regular opensky® Secured Visa starts at $200, while the Plus card starts at $300.
That makes the Launch worth considering if you want to keep the initial amount of money tied up in your secured card as low as possible.
Which opensky® Card Has No Annual Fee?
The opensky® Plus Secured Visa is the one of these three with a $0 annual fee. That's an important difference because a secured credit card already requires you to put money down as a refundable security deposit.
If you don't want to add an annual fee on top of that deposit, the Plus card is the obvious opensky® option to examine.
What Is the Best Secured Credit Card With No Credit Check?
If your priority is a secured credit card with no credit check and no annual fee, I'd look closely at the opensky® Plus Secured Visa® Credit Card. It combines the no-credit-check application process with a $0 annual fee and a credit line of $300 to $3,000 at the time of application.
That doesn't mean the Plus card is the only opensky® card worth considering. The Launch card requires a smaller starting deposit, while the regular opensky® Secured Visa has a lower listed APR.
So the right choice comes down to what matters most to you. If avoiding an annual fee is the priority, look at the Plus. If the lowest starting deposit is more important, look at the Launch. And if the listed APR is your biggest concern, look at the regular opensky® Secured Visa.
Bottom Line
For someone specifically searching for a secured credit card with no credit check, the opensky® Plus Secured Visa® Credit Card is the one I'd examine first because it has a $0 annual fee. The Launch and regular opensky® Secured Visa give you two other ways to approach the same no-credit-check requirement.
All three are designed for people who want to establish or rebuild credit, and opensky® says no credit check is required. Take a look at the individual terms and choose the card that fits the amount you're willing to deposit and the costs you're comfortable with.
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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
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A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
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FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
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