Change your credit, not your routine.
The OpenSky Secured Visa® Credit Card is a simple way to build credit. No weird score math. No confusing rules, just use your card for everyday purchases, make on-time payments, and watch your credit grow.
No credit check to apply
Zero risk to apply
Real time application approval
Boost your score by 47 points in 6 months*
@breakyourbudget3
@breakyourbudget3
@breakyourbudget3
Take your credit from meh to seven-sixty in no time.
Use your OpenSky card like a regular credit card because it is a regular credit card. Make on time payments and watch your credit score improve in just a few months. Keep your utilization under 30% to see a large boost.
Build credit just being your wonderful self.
Change your credit, not your routine. The OpenSky card builds credit on purchases you’re already making. Build credit while you, simply, do you.
We’ll be your good credit hype man.
We automatically report to Transunion®, Equifax® and Experian® each month. Just keep up with your monthly on-time payments and after 6 months, you may be eligible for a credit line increase with no additional deposit or application required.***
The credit builder for everyone.
Cash Back Rewards
89% Average Approval Rate
Low $100 Security Deposit
Credit Limit Increases
Potential to graduate to unsecured
1,000,000+ credit builder cards issued.3
Build credit in four steps
Transfer
Spend
Pay
Build
Frequently Asked Questions
Next stop, all-access credit.
No credit check to apply
No risk to apply
88% average approval rate*