NEW!
OpenSky Launch Secured Visa®
Better credit
on a budget
No credit check to apply.
Get Started
29.49% Variable annual percentage rate
+See terms and conditions
Minimum security deposit
$100
Monthly fee2
$2/mo
Minimum monthly payment
$10
No credit check to apply.
Get Started
29.49% Variable annual percentage rate
+See terms and conditions
NEW!
OpenSky Launch Visa®
Better credit on a budget
Minimum security deposit
$100
Monthly fee2
$2/mo
No credit check to apply.
Get Started
29.99% Variable annual percentage rate
+See terms and conditions

Build your credit 

without breaking the bank

$100

Deposit1

Low deposit

Get access to credit with our lowest security deposit yet.

$2

Monthly fee2

Low commitment

A monthly fee less than a cup of coffee to keep your credit on track.

A monthly fee less than a cup of coffee to keep your credit
on track.

$10

Min. payment

Low cost

Minimum monthly payments
made to fit your budget.

Build credit with
every payment.
It's that simple.

Your credit score

+47 pts

OpenSky cardholders see an average 47-point increase
in the first 6 months3

Build credit with
every payment.
It's that simple.

OpenSky cardholders see an average
47-point increase in the first 6 months3
Get Started

How does a
secured card work?

Secured cards work like regular credit cards but require a refundable cash deposit that sets your limit. Use it for everyday purchases, pay on time, and raise your credit score.

Make your deposit

Make your deposit

Your credit line is equal to your security deposit

Purchase and pay

Purchase and pay

Use your secured card, for everyday purchases just like a regular credit card

Build your credit

Build your credit

Make on time payments and watch your credit score grow

We report to all 3 major credit bureaus

Autopay

Put credit building 
on autopilot

Auto-pay
Set your Launch card as the default payment for a smaller monthly bill—like your streaming service or gym membership.
‍
Enable Auto-Pay to ensure you never miss a payment and watch your credit build effortlessly.
Auto-pay

Discover the benefits 
of OpenSky

Monthly reporting to
all 3 credit bureaus
Free online access
to FICO® score
Up to 10% cash
back Rewards*
Easy-to-use 

mobile app
Zero Fraud 

Liability
Everywhere 

VISA is accepted
Easy-to-use 

mobile app
Get Started

Check out our
5-star reviews

See how others have found success with OpenSky.

Opensky has helped me flourish!

OpenSky has helped me to get my credit back on track with a friendly and easy to use. Secured credit card in which I had to upload a deposit amount so that I could start using my secured credit card to build my credit future. Open sky is really a lifesaver, especially when I come from an impoverished community without many resources to start and grow my credit score.
Tavarus
06.27.2024

Started off in a really bad place with...

Started off in a really bad place with my credit. OpenSky help by reporting to all 3 credit bureaus with on-time payments. Those 3 reportings helped raise my score quicker than just a single report from other credit issuers. The prosses of credit repair is not a quick one, but having OpenSky in my corner helped me go from poor credit, to excellent credit.
Gil
06.27.2024

Rebuild your credit with OpenSky

Pre COVID my credit took a major hit due to a bad business relationship. Getting 2 OpenSky cards and using them carefully, has gotten my score up to the mid 700's. After three years, I was able to qualify for a mortgage and purchase a
home.
Pre COVID my credit took a major hit due to a bad business relationship. Getting 2 OpenSky cards and using them carefully, has gotten my score up to the mid 700's. After three years, I was able to qualify for a mortgage and purchase a
home.
William
06.18.2024
Get Started

FAQs

No items found.
What is a "secured" credit card and why is a security deposit required? 
A secured credit card requires a one-time refundable security deposit to open and is equal to your credit limit. For example, if you deposit $100, your credit limit becomes $100. The beauty of the OpenSky secured credit card is that you can open an account without undergoing a traditional credit check. This is especially beneficial if you have a poor credit history or no credit history at all.
How will getting a secured credit card build my credit? 
One of the benefits of your account is automatic monthly reporting to the three major credit bureaus. Paying your account on time, even your minimum payment, can help build a history of financial responsibility for you. A credit card is an important tool that lays the groundwork for your future finances.
Can I get approved for a Launch secured even if I've had bad credit in the past?
OpenSky does not pull your credit — there is no credit check. You can get approved for our OpenSky Launch 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.
What is the Launch monthly fee?
The OpenSky Launch Secured Visa® Credit Card has no annual fee. Instead, there is a monthly fee of $2, which totals $24 for the first year. Starting from the second year and for as long as the account remains open, the monthly fee will be $3, amounting to $36 annually. If you close your account or upgrade to another card, you will not be responsible for paying the remainder of the year’s fee.
How can I increase my credit limit on my secured card
Requesting an increase is easy and can be done at any time. Simply visit openskycc.com, open the menu and tap on the “My Account” button. The My Account page will allow you to log in. Once you have logged into your account, 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 your credit limit increase
View all FAQs

*OpenSky Rewards Terms and Conditions

1 OpenSky Secured Visa® cards require a refundable security deposit. Your credit limit is based on the amount of your security deposit. OpenSky Launch Secured Visa® Credit Card’s minimum is $100 and up to $1,000.

2The OpenSky Launch Secured Visa Credit Card requires a monthly fee. The monthly fee is billed at a rate of $2 per month, annualized at $24 for the first 12 months. Beginning year two and for as long as the account remains open, the monthly fee is billed at a rate of $3 per month, annualized at $36.

3Based on Q1 2024, 66% of OpenSky customers increase their score by 47+ points after 6 months.‍

Customer testimonials are solicited by Capital Bank, N.A.