Credit Line Increases

Get rewarded for good credit behavior.

Access credit line increases with OpenSky® Secured Visa® Credit Card. Your eligibility to level up begins at six months. No cash required. Build your safety net as you build credit.

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No additional credit check

No additional income check

No additional funds required

A whopping 30% of your credit score is based on credit utilization.

Increase the ratio of your available credit against what you’re using and you may be surprised how fast you can build your credit.
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Increase without additional funds
Add funds on demand
No credit check

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INCREASE WITHOUT ADDITIONAL FUNDS

Deposit-free credit line increase eligibility in just 6 months.

We believe good behavior should be rewarded. Earn credit limit increases based on your payment performance and history with OpenSky. Once eligible, level up as often as every 3 months, on us.

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ADD FUNDS ON DEMAND

Grow your secured credit line on your own terms.

Don’t want to wait? Build credit on your own schedule with on demand credit line increases. Request an increase and add more funds when the time is right. Set your own pace. We’re ready when you are.

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NO CREDIT CHECK

More credit is always credit check free.

Grow your tradeline without credit checks, dings, or pulls. Whether you’re looking to level up your credit or add more funds, we got you.

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The credit builder for everyone.

OpenSky Secured Credit Card

Low Annual Fee

88% Average Approval Rate

Low $200 Security Deposit

Credit Limit Increases

Graduate to unsecured in 6 months

We report to all 3 major credit bureaus
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“The OpenSky® Secured Visa® Credit Card is great if you can't pass a credit check or don't have a bank account. Make your payments on time, and you may gain access to a higher credit line in as little as six months with no additional deposit needed.”4
“This card gives you a broad range of credit limits when getting started. Get considered for a credit line increase after 6 months, with no additional deposit required.”4
“If your credit score is low or if you don’t have a credit score, the OpenSky® Secured Visa® Credit Card could be the starting point you need to get your finances on track.”4

A million users, a million reasons why3

Lashae K.
Lashae K.
Lavaughn C.
Lavaughn C.
Leeann W.
Leeann W.
Malcolm H.
Malcolm H.
Matthew A.
Matthew A.
Michael B.
Michael B.
Michael S.
Michael S.
Michelle P.
Michelle P.
Paula S.
Paula S.
Stephanie J.
Stephanie J.
Ty A.
Ty A.
Lashae K.
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High 88% avg approval rate.
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Lavaughn C.
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High 88% avg approval rate.
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Leeann W.
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High 88% avg approval rate.
Get Started
Malcolm H.
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High 88% avg approval rate.
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Matthew A.
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High 88% avg approval rate.
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Michael B.
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High 88% avg approval rate.
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Michael S.
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High 88% avg approval rate.
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Michelle P.
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High 88% avg approval rate.
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Paula S.
0:00
High 88% avg approval rate.
Get Started
Stephanie J.
0:00
High 88% avg approval rate.
Get Started
Ty A.
0:00
High 88% avg approval rate.
Get Started
Lashae K.
Lashae K.
Lavaughn C.
Lavaughn C.
Leeann W.
Leeann W.
Malcolm H.
Malcolm H.
Matthew A.
Matthew A.
Michael B.
Michael B.
Michael S.
Michael S.
Michelle P.
Michelle P.
Paula S.
Paula S.
Stephanie J.
Stephanie J.
Ty A.
Ty A.
Brittany L.
Brittany L.
Christopher S.
Christopher S.
Daniel A.
Daniel A.
Dino B.
Dino B.
Donna N.
Donna N.
Emily G.
Emily G.
Imhile A.
Imhile A.
Joseph B.
Joseph B.
Juan T.
Juan T.
Julie H.
Julie H.
Justin H.
Justin H.
Lance T.
Lance T.
Brittany L.
0:00
High 88% avg approval rate.
Get Started
Christopher S.
0:00
High 88% avg approval rate.
Get Started
Daniel A.
0:00
High 88% avg approval rate.
Get Started
Dino B.
0:00
High 88% avg approval rate.
Get Started
Donna N.
0:00
High 88% avg approval rate.
Get Started
Emily G.
0:00
High 88% avg approval rate.
Get Started
Imhile A.
0:00
High 88% avg approval rate.
Get Started
Joseph B.
0:00
High 88% avg approval rate.
Get Started
Juan T.
0:00
High 88% avg approval rate.
Get Started
Julie H.
0:00
High 88% avg approval rate.
Get Started
Justin H.
0:00
High 88% avg approval rate.
Get Started
Lance T.
0:00
High 88% avg approval rate.
Get Started
Brittany L.
Brittany L.
Christopher S.
Christopher S.
Daniel A.
Daniel A.
Dino B.
Dino B.
Donna N.
Donna N.
Emily G.
Emily G.
Imhile A.
Imhile A.
Joseph B.
Joseph B.
Juan T.
Juan T.
Julie H.
Julie H.
Justin H.
Justin H.
Lance T.
Lance T.
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Build credit in four steps

STEP 1

Transfer

Just transfer funds for the refundable5 security deposit which sets your credit line. Get started with a minimum deposit the OpenSky secured Visa Credit card’s minimum is $200 and up to $3,000 (subject to approval). The OpenSky Plus card’s minimum security deposit is $300 and up to $3,000 (subject to approval).
STEP 2

Spend

From takeout to streaming - every purchase can help you build credit and earn rewards! Keep your spending below 30% of your credit limit to see the biggest credit gains and earn up to 10% cash back** on purchases.
STEP 3

Pay

Keep paying on time to see your score improve month after month. If you can’t pay in full, just take care of your minimum balance. Notifications keep you on track. Relax and watch good credit come to you.
STEP 4

Build

Boost your credit-building power with access to additional credit. Get evaluated for credit line increases every 6 months. With automatic reporting to all three major credit bureaus, before you know it your credit has supersized itself.
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Frequently Asked Questions

Meet frequently answered answers.

Increased credit line, infinite potential.

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Credit line increase eligibility after 6 months

Build credit faster

No risk to your credit score when you apply