Build credit with every swipe.

Sometimes life happens to your credit. OpenSky® Secured Visa® Credit Card is designed to help you build it back.

Get Started

No credit risk to apply

88% average approval rate*

Up to 10% cash back rewards**

Easy application
Safe and secure
No credit check
Boost your score
Easy application
Safe and secure
No credit check
Boost your score

All the credit building potential, with none of the headache.

@iamashcash3

0:00
High 88% avg approval rate.
Get Started

@breakyourbudget3

0:00
High 88% avg approval rate.
Get Started

@vipfinancialed3

0:00
High 88% avg approval rate.
Get Started

@DebtFreeGonnaBe3

‍

0:00
High 88% avg approval rate.
Get Started
OpenSky Secured Visa Credit Card, 
what makes our card different?
What's the difference?
Application credit check
Requires a security deposit
Reports to credit bureaus (Impacts your credit score)
Can be used for everyday purchases (Everywhere Visa/MasterCard are accepted)
Easy approval

All the credit building potential, with none of the headache.

No Credit Check

@iamashcash3

No Credit Check

With OpenSky, your credit history is history. There’s zero risk to apply and no credit check, which means easy access to the credit you need to get to your goals.

Build your credit

@breakyourbudget3

Build your credit

Use your OpenSky card for everyday purchases like gas or streaming subscriptions, and make on-time payments each month—that’s all you need to start seeing your score tick up.

Credit line increases

@vipfinancialed3

Credit line increases

More funds when you need them? You got it. Your good payment habits can qualify you for credit line increases every 6 months, which means faster access to cash when you need it.

Graduate to unsecured card

@DebtFreeGonnaBe3

‍

Graduate to unsecured card

Potential to graduate to an OpenSky Unsecured Gold Card in as little as 6 months. With an OpenSky Secured Card, and an OpenSky Unsecured Gold Card, you’ll have a double dose of credit building and spending power.

@iamashcash3

0:00
High 88% avg approval rate.
Get Started

@breakyourbudget3

0:00
High 88% avg approval rate.
Get Started

@vipfinancialed3

0:00
High 88% avg approval rate.
Get Started

@DebtFreeGonnaBe3

‍

0:00
High 88% avg approval rate.
Get Started
TWO WAYS TO BUILD CREDIT

OpenSky Secured Credit Cards

OpenSky® Secured Visa®

$35 Annual Fee
Minimum security deposit
$200
Variable APR
25.64%+
No credit check to apply
Up to 10% cash back rewards**
Get OpenSky ->
+See terms and Conditions

OpenSky Plus® Secured Visa®

No Annual Fee
Minimum security deposit
$300
Variable APR
29.99%+
No credit check to apply
Up to 10% cash back rewards**
Get OpenSky Plus ->
+See terms and Conditions
We report to all 3 major credit bureaus

Good credit helps you save for the future.

Get Started ->

Buying a new car?
Save up to $1,212*
per year.

*Based on 60 month new car loan for
$30,000 with a FICO score of 590 vs
720 according to The Credit People1

Buying a new house?
Save up to $4,152*
per year.

*Based on a $250,000 30-year fixed rate mortgage with a FICO score of 620 vs 740 according to The Credit People1

Renting a new apartment? Save up to $1,006*
on your security deposit.

*A low credit score could increase your security deposit by an average of $1,006 according to a Syracuse University study2


Buying auto insurance? Save up to $1,260*
per year.

*Based on FICO score of 579 vs. 799
according to The Zebra4

See Savings
Car
Home
Apartment
Auto Insurance

@Paula S.

OpenSky Cardholder

“I should have been establishing credit throughout my life. I was a little late getting started, but I have reached my credit score of 700. Open Sky can help you get there.”

@Daniel A.

OpenSky Cardholder

“What a great avenue that OpenSky has created for people like me to get it right.”

@Lance T.

OpenSky Cardholder

“I have my own mortgage, I have an auto loan and a couple personal loans. And all of this was because of OpenSky.”

@Lashae K.

OpenSky Cardholder

“Through the knowledge and tools, you can become a success story. I went from 545 to 700 in just under two years.”

@Justin H.

OpenSky Cardholder

“OpenSky gave me my first credit card. I had zero credit. I ended up with a 718 credit score. That's what set my whole life back on track.”

Join the 1M+ who’ve made the change.3

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.
0:00
High 88% avg approval rate.
Get Started
Lavaughn C.
0:00
High 88% avg approval rate.
Get Started
Leeann W.
0:00
High 88% avg approval rate.
Get Started
Malcolm H.
0:00
High 88% avg approval rate.
Get Started
Matthew A.
0:00
High 88% avg approval rate.
Get Started
Michael B.
0:00
High 88% avg approval rate.
Get Started
Michael S.
0:00
High 88% avg approval rate.
Get Started
Michelle P.
0:00
High 88% avg approval rate.
Get Started
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.
Join In ->
0:00

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.
1/4

Still have questions?

We’ve got the answers.
What is a secured credit card?
How to apply
Using your card
Rewards
View All FAQs

Good credit’s got your name all over it.

Apply Now

No credit check to apply

88% average approval rate*

Up to 10% cash back rewards**