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How to Apply for the OpenSky Secured Visa Using Your ITIN
The OpenSky Secured Visa is one of the easiest credit cards to get with an ITIN — no credit check, no bank account required, and it reports to all 3 bureaus. Here is exactly how to apply.
What You Need Before Applying
- Your ITIN number (9-digit number starting with 9)
- Valid photo ID (passport, state ID, or consular ID)
- US mailing address
- Email address
- Deposit amount ready ($200 minimum, up to $3,000)
- Debit card or bank account to pay the deposit
Step-by-Step Application Process
Step 1: Go to OpenSky.com
Visit the official OpenSky website. Click “Apply Now” on the Secured Visa page.
Step 2: Select ITIN as Your ID Type
When the application asks for your Social Security Number, look for the option that says “I don’t have an SSN” or “Use ITIN instead”. Select it and enter your 9-digit ITIN number.
Step 3: Fill in Personal Information
- Full legal name (as it appears on your ITIN letter)
- Date of birth
- US mailing address
- Phone number
- Email address
Step 4: Choose Your Deposit Amount
Your deposit becomes your credit limit. Choose between $200 and $3,000. Start with at least $200 — you can increase later.
Tip: A higher deposit means a higher limit, which makes it easier to keep utilization under 10%.
Step 5: Pay Your Deposit
Pay using a debit card or bank transfer. This is NOT a fee — it is a refundable security deposit that you get back if you close the account in good standing or upgrade.
Step 6: Wait for Your Card
Approval is usually instant (no credit check). Your card arrives by mail in 7-10 business days.
After You Receive Your Card
- Activate it by calling the number on the sticker or going online
- Set up autopay for the full balance (prevents missed payments)
- Make one small purchase ($5-$15) like a streaming subscription
- Keep utilization under 10% — with $200 limit, spend max $20
- Never miss a payment — this is the #1 rule
Key Facts About OpenSky
| Feature | Details |
|---|---|
| Annual Fee | $35 |
| Deposit Range | $200 – $3,000 |
| Credit Check | None |
| Reports To | Experian, Equifax, TransUnion |
| Bank Account Required | No |
| ITIN Accepted | Yes (online) |
| Approval Time | Instant |
| Card Delivery | 7-10 business days |
Common Questions
Will I get approved with no credit history?
Yes. OpenSky does not check your credit at all. As long as you can pay the deposit and verify your identity, you will be approved.
Does the $35 annual fee count toward my deposit?
No. The annual fee is separate from your deposit. Your first statement will show the $35 fee charged to your card.
Can I increase my credit limit later?
Yes. You can add to your deposit at any time (up to $3,000 total) to increase your limit.
When will I see my credit score?
After 6 months of activity, your credit score will appear on Credit Karma and Experian. OpenSky reports monthly to all 3 bureaus.
What to Do After 12 Months
After 12 months of on-time payments with OpenSky:
- Your score should be 620-680+
- Apply for an unsecured card (no deposit needed)
- Consider a credit builder loan for credit mix
- Keep OpenSky open — don’t close your oldest account
→ See all ITIN credit card options
→ Full credit building roadmap
📌 Ready to Apply?
Visit OpenSky.com and select “ITIN” when asked for identification type.