Build credit 
with every swipe
OpenSky secured credit cards help you improve or build your credit while earning up to 10% cash back rewards*
You’re pre-approved** Apply now with no risk to your credit score.

How the OpenSky secured credit card works for you

Secured cards are just like unsecured credit cards but are backed by a cash deposit. This refundable deposit also sets your credit limit. Just use your card for everyday purchases, pay on time each month, and boost your credit score.

Start building your credit with just $100

Your credit line is equal to your security deposit, starting at $100(1)

A secured credit card can help build credit responsibly

Use your card responsibly & make on-time monthly payments to help build credit.

Eligible for credit line increases and unsecured card offers

After 6 months, you may be eligible for limit increases or upgrades to our unsecured credit card.***

We report to all 3 major credit bureaus

Choose the right secured card for you

No credit check. 89% approval rate.
NEW!
Build your credit on a budget

OpenSky Launch Visa®

Minimum security deposit
$100
Monthly fee2
$2
29.49% Variable Annual percentage rate
+See terms and conditions
Rebuild your credit

OpenSky Visa®

Minimum security deposit
$200
Annual fee
$35
25.14% Variable Annual percentage rate
+See terms and conditions
Build your credit with no annual fee

OpenSky Plus Visa®

Minimum security deposit
$300
Annual fee
no annual fee
29.49% Variable Annual percentage rate
+See terms and conditions

Shop fast and secure 
with Mobile Wallet

In-store any place you see the Apple Pay, Google Pay or Samsung Pay logos
Online choose Mobile Wallet when offered at check out

Discover the benefits of OpenSky

Monthly reporting to
all 3 credit bureaus
Free online access
to FICO® score
Up to 10% cash
back Rewards*
Easy-to-use 

mobile app
Zero Fraud 

Liability
Everywhere 

VISA is accepted
Easy-to-use 

mobile app

Still have questions?

We’ve got answers.

Join the 1.4 million

who are making the change...

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.
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High 88% avg approval rate.
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High 88% avg approval rate.
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High 88% avg approval rate.
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High 88% avg approval rate.
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High 88% avg approval rate.
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High 88% avg approval rate.
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High 88% avg approval rate.
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High 88% avg approval rate.
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High 88% avg approval rate.
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This is some text inside of a div block.
High 88% avg approval rate.
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This is some text inside of a div block.
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.