Build Your Credit

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.

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No credit check to apply

Zero risk to apply

Real time application approval

Boost your score by 55 points in 6 months*

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*82% of rebuilders increase their score by 55+ points after just six on-time minimum payments.

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BUILD CREDIT QUICKLY

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.

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BUILD WITH EVERYDAY SPENDING

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.

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BUILD ACROSS ALL MAJOR BUREAUS

We’ll be your good credit hype man.

We automatically report to Transunion, Equifax and Experian so you can level up your credit regularly. Just keep up with your monthly on- time payments and we’ll be sure to brag about you like a proud Aunt.

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The credit builder for everyone.

OpenSky Secured Credit Card

Low Annual Fee

88% Average Approval Rate

Low $200 Security Deposit

Credit Limit Increases

Graduate to unsecured in 6 months

We report to all 3 major credit bureaus
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“A card that reports your activity to all three major credit bureaus, as this one does, is a good thing when you make your payments on time and stay well below your credit limit.”4
“A great starter card, even for those with no credit.” 4
“OpenSky has no credit check and a small annual fee, making it great for rebuilding credit.” 4

1,000,000+ credit builder cards issued.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.
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High 88% avg approval rate.
Get Started
Lavaughn C.
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High 88% avg approval rate.
Get Started
Leeann W.
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High 88% avg approval rate.
Get Started
Malcolm H.
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High 88% avg approval rate.
Get Started
Matthew A.
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High 88% avg approval rate.
Get Started
Michael B.
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High 88% avg approval rate.
Get Started
Michael S.
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High 88% avg approval rate.
Get Started
Michelle P.
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High 88% avg approval rate.
Get Started
Paula S.
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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.
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High 88% avg approval rate.
Get Started
Christopher S.
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High 88% avg approval rate.
Get Started
Daniel A.
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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.
Get Started

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.
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Frequently Asked Questions

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Next stop, all-access credit.

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No credit check to apply

No risk to apply

88% average approval rate*