Credit CardCredit Card

Build credit with every swipe.

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

No credit check to apply

No credit risk to apply

87% average approval rate*

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

  • 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

    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

    Unlock an OpenSky Gold Card after just 6 months. With an OpenSky secured card and an unsecured Gold Card, you’ll have a double dose of credit building and spending power.

TWO WAYS TO BUILD CREDIT

OpenSky Secured Credit Cards

OpenSky
$35 Annual Fee

Minimum Security Deposit $200

Variable APR 20.99%+

No Credit Check To Apply

Get OpenSky +See terms & Conditions
OpenSky Plus
No Annual Fee

Minimum Security Deposit $300

Variable APR 29.99%+

No Credit Check To Apply

Get OpenSky Plus +See terms & Conditions

We report to all 3 major credit bureaus

Good credit helps you save for the future.

Buying a new car? Save up to $1,512* per year.

*Based on 60 month loan for $20,000 based on FICO of 589 vs. 720 according to The Ascent1

Buying a new house? Save up to $2,892* per year.

*Based on a $250,000 30 year long 620 credit score vs 760 credit score according to The Ascent1

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

*A bad 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 $1,420* per year.

*Based on FICO score of 579 vs. 800 according to The Ascent1

See Savings

Join the 1M+ who’ve made the change.3

Build credit in four steps


Still have questions?

We’ve got the answers.

Secured cards are a type of credit card that are backed by a cash deposit, but otherwise work just like unsecured cards. The refundable deposit used to fund your OpenSky card is equal to your spending limit. Using it for everyday purchases and making on-time monthly payments helps to grow and improve your score over time.

Applying for OpenSky is easy, with no credit check or risk to apply, and an impressive 85% average approval rate over the last 5 years. Just answer a few simple questions, provide some basic information, and click “Submit” to send your form. You’ll receive your approval in real-time.

Your rate of improvement depends on a few factors, including your current status, payment habits, and your management of this and any other lines of credit. OpenSky is designed specifically to help people improve their credit fast, with an online/mobile app and tools like alerts to help monitor your account. Plus you will get considered for credit line increases that turbocharge your growth.

We don’t mean to brag (okay, we do), but the OpenSky Secured Visa Credit Card has been rated the best secured card to build credit by a whole bunch of industry experts, like Nerdwallet, Forbes, NextAdvisor, and The Points Guys.

The problem with most traditional credit cards is that you usually can’t get one if you have poor history—which makes it difficult to build the credit you need to improve your score, make progress, and qualify for a card in the first place. With OpenSky, you can access a secured credit card, no credit check and no risk required.

OpenSky does not pull your credit — there is no credit check. You can get approved for our OpenSky Secured Visa Credit Card whether you have poor credit or no credit. The card is designed to help build credit history with its monthly reporting to all three major credit bureaus. As a secured card, it does require a security deposit. Click here to learn more about how the OpenSky Secured Visa Credit Card works.

No. Only you will know this is a secured credit card. Your payment and account history will be reported monthly to all three major consumer credit bureaus without being flagged as a secured card.

Requesting an increase is easy and can be done at any time. Simply log in to MyAccount at www.openskycc.com and choose the Request Credit Line Increase option in the Account Services section. If approved, you’ll receive an approval letter with instructions on how to send the additional security deposit to fund the increase to your credit limit.

The fastest way to fund your security deposit and get your card is to use your debit card at the time of application. Simply enter your debit card information into the Security Deposit section of the application.

If you don’t have a debit card, you can fund your security deposit at a later date and choose from these easy options:

  • Western Union®
  • Mail a check or money order


If you choose to fund your security deposit at a later date you will receive an email with the instructions and details on the next steps.

You can use your OpenSky Credit Card everywhere Visa is accepted. Plus, you’re eligible for special Visa discounts through www.visa.com/discounts.

In your OpenSky Credit Card application, we will ask for your name, address, date of birth, and other information that will allow us to identify you. You may be asked to provide your driver’s license or other identifying documents.

OpenSky is the most accessible solution for people looking to establish or rebuild their credit. With no credit check or bank account required to apply, an impressive 87% average approval rate*, and a low refundable deposit, we’re making it easy for everyone to access the opportunities they need to impact their best future.

OpenSky Secured Visa Credit Cards require a refundable security deposit that’s equal to your credit limit (for example, $200 down means you have a $200 limit). This enables you to open an account without a credit check, so you can still get a card and use it right away to improve your record—regardless of your history.

Yes! OpenSky is one of the few issuers that doesn’t require a linked checking account to apply. Simply choose to pay your security deposit at a later date on your application. Then, after you've been approved, you will receive an email back with instructions on how and where to fund your account.

Applications are usually processed immediately. If your application is approved you will know immediately and also receive an email. After application approval and processing of your security deposit, your credit card is made and then mailed to you. This can take up to 12-14 business days.

In some instances, we may need clarification on information provided in your application prior to approval. If we do, we will send you an email or a text notification. Your responsiveness to these questions will determine the timing of receipt of your credit card.

Always be on the look-out for emails from OpenSky. Please note: this email address does not receive incoming emails.

Regular email updates are sent to applicants providing the status of their application throughout the entire process. To ensure you are receiving our emails, please add OpenSky to your contact list. You can also check the status of your application anytime! Simply visit www.openskycc.com and click on the Check Application Status link to request online access. We will ask you to verify a few pieces of information and then we will send you an email with a unique one-time passcode that will give you access to the status of your application.

Federal law requires that all financial institutions know and confirm their customer’s identity according to the USA Patriot Act. The USA Patriot Act was created to help the government fight the funding of terrorism and money laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that identifies each individual or entity opening an account.

We will notify you with an email from OpenSky once your application has been approved. Upon receiving and processing your security deposit, your credit card is made and then mailed to you. This can take up to 12-14 business days.

Please allow up 12-14 business days from the date of your approval letter to receive your new credit card. If you have not received your card within this time, please contact us by calling 1-800-859-6412. We will review your account to determine if there has been any unauthorized charges and a new card will be issued.

Capital Bank, N.A., is a publicly traded bank headquartered in Rockville, MD. that has offered a range of financial services to businesses and consumers since 1999, in addition to owning and operating a nationwide mortgage business and card company, OpenSky®. Member FDIC. An Equal Housing Lender.

An OpenSky Secured Credit Card is designed specifically to help you quickly grow and improve credit by providing monthly reporting to the three major bureaus, built-in line increases, accessible tools that promote good spending habits, and turbocharged growth. All of these things work together to improve your FICO score month after month, and help you reap the rewards of financial wellness.

Credit cards help you build your credit by reporting your purchasing and payment activities to the three major credit bureaus. Automatic monthly reporting, good spending habits, and on-time monthly payments all help to establish a history of financial responsibility that actively grows and improves your credit history over time.

Visit www.openskycc.com and click the blue MyAccount button located at the top. You will be directed to the online account management login page.

On a mobile device: Select the Menu option at the top and click Activate Card. Simply follow the instructions.

On a desktop: Look for the bright green Activate Card button on the top right. Simply follow the instructions.

Yes. This is a great way to build credit while keeping your monthly expenses the same. Simply select this credit card as your payment method of choice when setting up automatic bill pay for your other bills.

We report credit card account information with the credit bureaus once a month at the time your billing statement is generated.

You can close your account at any time by contacting our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card.

Your security deposit will be returned to you once your account is closed and the balance is paid in full. We may use your security deposit to expedite the pay down of your outstanding balance. In certain circumstances it can take eight (8) weeks however, it generally takes less than four (4) weeks to receive your security deposit refund in the mail.

Please refer to your Card Agreement for additional details related to your security deposit.

Your security deposit will be returned to you once your account is closed and the balance is paid in full. We may use your security deposit to expedite the pay down of your outstanding balance. In certain circumstances it can take eight (8) weeks however, it generally takes less than four (4) weeks to receive your security deposit refund in the mail.

Please refer to your Card Agreement for additional details related to your security deposit.

Yes. Login to MyAccount from the blue button located at the top of the screen at www.openskycc.com, or bookmark MyAccount as one of your favorites and log in whenever you need.

You can make monthly credit card payments using the following methods:

Via the OpenSky Mobile App or online account management- you can sign up for Auto-Pay and schedule recurring, monthly payments, or set up one-time payments.

Send in a check with the remittance slip that is included in your monthly billing statement.

You can update your contact information online. Visit www.openskycc.com and click the blue MyAccount button. Log into your account, select the Account Services tab, and click on Update Contact Information.

View All FAQs

Good credit’s got your name all over it.

No credit check to apply

No risk to apply

87% average approval rate*

Privacy

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OpenSky Cardholder Agreement

OpenSky Plus Cardholder Agreement

*Based on Q3 2022, OpenSky(R) Secured Visa(R) Credit Card average approval rate is 87.9%. Individual results may vary.

1 Source: Here’s How Much Money Bad Credit Will Really Cost You (fool.com)

2 Source: The Cost of a Bad Credit Score (onlinegrad.syracuse.edu)

3 Influencer and cardholder testimonials are solicited by Capital Bank N.A.

4 The refundable deposit you make when opening your account is important, because it means you can open an account without a credit check. Your security deposit is returned to you once your credit card account is closed and the balance is paid in full. We may use your security deposit to expedite the pay down of your outstanding balance. Please refer to the Cardholder Agreement for additional details related to the security deposit. It can take up to four to six weeks before you receive your security deposit back, allowing for processing and mailing time.

The information in these articles is provided for general education, informational or illustrative purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness or fitness for any particular purpose. We do not guarantee that the information presented is the same information that may be used or reviewed by a third party to assess your creditworthiness or eligibility for any particular product or service. The information is not intended to be and does not constitute financial, legal, tax or any other advice specific to you, the user or anyone else. The companies and individuals referred to in these articles are not sponsors of, do not endorse, and are not otherwise affiliated with OpenSky®.