About Your Card


  • No credit check

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    Whether you are just starting out to build credit, are repairing your credit, or have had a prior bankruptcy, you can qualify for our secured Visa card. We don't check your credit history.

  • Flexible funding options

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    You can use your debit card to fund your security deposit and secure your credit line. If you don’t have a debit card, you can complete a wire transfer of funds from your bank, use Western Union®, or mail in a check or money order.

  • Short application process

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    Our quick 4-step application process makes it easy to complete the application from a smartphone, tablet or computer.

  • Competitive rates

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    With one of the best annual percentage rates and one of the lowest annual fees, your OpenSky credit card helps you build credit without hefty fees.

  • Rates and fees

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Benefits of Your Card


  • Interest free grace period

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    No interest is charged on purchases during the very first billing cycle. And, no interest is charged on new purchases when you pay your bill in full each month by the payment due date.

  • Establish credit quickly and easily

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    OpenSky reports to all three credit bureaus every month, so you’ll start building your credit as soon as you begin using your card.

  • Total accessibility as a Visa card

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    Your credit card works everywhere Visa is accepted. Get the spending flexibility you need to cover small and large purchases, from gas to new furniture. Even take care of household bills. Receive protection against fraud with the Visa Zero Liability policy*.

    *The Visa Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify card issuer promptly of any unauthorized use.

  • Help in controlling your finances

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    As a matter of fact, using your card to pay your other bills and monthly expenses can help build your payment history – helping you improve your credit as you make sure you're paying your bills on time.

  • Build credit at your own pace

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    You’re in control of your card's credit limit. Your credit line equals the size of the security deposit you provide. Secure your credit line with a deposit as low as $200 up to $3000.*
    *Subject to approval