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Is OpenSky a good secured card?

★★★★★3.5 · our rating · illustrative

The short answer

Yes — real and legit, but you pay an annual fee for the no-credit-check door.

OpenSky reports to all three bureaus and, unlike most, needs no credit check to open.
The trade-off is an annual fee, so it costs more than a no-fee secured card.
It's built for people who can't qualify for a no-fee card elsewhere.
The catch: if a no-fee card would take you, that builds the same history for less.

Written by Dana Acosta

Consumer-credit writer · 9 yrs

✓ Reviewed by M. Reyes, AFC®

Last reviewed Jun 2026

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Is it a real card?

Yes. OpenSky is an established secured card, known for opening accounts without a credit check, and it reports your payments to all three bureaus. Some versions don't even require a bank account to fund the deposit.

The real risk is impersonators — a text or email asking for an upfront fee outside the deposit, or your login. A real card never works that way.

What it costs

~$35

Annual fee

where the extra cost is

No check

Credit check to open

the reason to pick it

3 bureaus

It reports to

the whole point

Illustrative — deposit and fee vary. Check the fee load →

✓ It fits if

A credit check would sink you at other cards.
You have no bank account to fund a deposit elsewhere.
The no-check door is the thing you actually need.

✕ Skip it if

A no-fee secured card would take you.
You'd rather not pay a yearly fee to build.
You can spare a deposit and clear a normal application.

⚠ The catch

You're paying an annual fee for one thing: the no-credit-check door. That's worth it only if a credit check would otherwise stop you.

If your file can clear a no-fee card, that card reports the same payments to the same three bureaus — for nothing. Compare on the ranked list before you apply.