The OpenSky Secured Visa is a secured credit card from OpenSky Secured Visa. The annual fee is $35/year. The ongoing APR is 23.89%. Approval typically requires a credit score of 0 or higher. Rewards: up to 10%. Cash back: Up to 10% Cash back rewards. Typical credit limit: $200 to $3,000. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. No credit check required. Accepts ITIN - no SSN needed. Deposit $200-$3,000 becomes credit limit. Reports to all 3 bureaus. Ideal for ITIN holders starting US credit.