No Credit Check

Credit is Tough. Let's Make it Easier.

With the OpenSky Secured Visa® Credit Card, good credit is yours for the taking. No matter where your credit’s been, you’ll decide where it’s going.

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No credit check

Real time application approval

88% average approval rate*

With OpenSky, good credit is your new reality.

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NO CREDIT CHECK

Here, your credit history is history.

We believe a person is much more than a number–so we don’t even ask. We designed OpenSky to give you a fresh start building credit so you can stop getting dragged down by your credit score and get back to the future–yours.

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NO RISK TO APPLY

We took the ding out of building credit.

Applying for a traditional credit card dings your credit. Call us crazy, but we think a card designed to help you build credit should do just that. Applying for OpenSky won’t impact your credit score–the only changes we want you to see are the good kind.

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NO CREDIT REQUIRED

No credit? No worries.

You have to have a credit card to build credit . . . but you need credit to get a credit card. Who thought this stuff up? At OpenSky, we have an 88% average approval rating*. If you’re human, you’re probably going to get approved. (Apologies to badgers.)

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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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“If your credit score is low or if you don’t have a credit score, the OpenSky Secured Visa® Credit Card could be the starting point you need to get your finances on track.”⁴

“If you've struggled to qualify for a secured card because of poor credit or lack of a bank account, this card is a good option.”⁴

“Whether you have poor credit or no credit at all, OpenSky is an opportunity to improve your credit history.”⁴

We’d like you to meet a million of our closest friends.

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

We’ve made getting credit easy. Your move.

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No credit check to apply

No risk to apply

88% average approval rate*