OpenSky Plus Secured Visa®
Credit confidence
starts here
No credit check to apply.
Get Started
Minimum security deposit1
$300
Annual fee
$0
Minimum monthly payment
$25
No credit check to apply.
Get Started
29.99% Variable annual percentage rate
+See terms and conditions

Smart start to better credit

$300

Deposit1

Bigger deposit, bigger potential

Provides enough room for unexpected expenses while building your credit.

$0

Annual fee

No annual fees, no stress

Build credit affordably with no annual fee. Focus on growth without extra costs.

$25

Min. payment

Easy payments, smart habits

Affordable monthly payments help you build credit and healthy spending habits effortlessly.

Credit growth with
every payment. 

For that life glow-up.

Your credit score

+47 pts

OpenSky cardholders see an average 47-point increase
in the first 6 months2

Credit growth with every payment. For that life glow-up.

OpenSky cardholders see an average
47-point increase in the first 6 months2
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

Your credit line is equal to
your security deposit

Make your deposit

Your credit line is equal to your security deposit

Purchase and pay

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

Purchase and pay

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

Build your credit

Make on time payments and
watch your credit score grow

Build your credit

Make on time payments and watch your credit score grow

We report to all 3 major credit bureaus

Cash back rewards

Your everyday spending pays off. Get up to 10% cash back.

Streaming
$58.91
Reward balance $90.41
+$5.90
Streaming
$19.99
Reward balance $90.41
+$1.99
On-the-go
$7.54
Reward balance $81.61
+$.75
Everyday spending just got rewarding. Get up to 10% cash back on everyday purchases with OpenSky Rewards*.
Just use your OpenSky card at participating vendors, and cash back is automatically applied to your statement—no extra steps required. Track your rewards and explore offers on the OpenSky Rewards website. Just spend, relax, and enjoy the rewards!
Streaming
$58.91
Reward balance $90.41
+$5.90
Streaming
$19.99
Reward balance $90.41
+$1.99
On-the-go
$7.54
Reward balance $81.61
+$.75

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

Kickstart your credit 

with the 5-star card

Kickstart your credit
with the 5-star card

See how others have found success with OpenSky.

Great starter card!

OpenSky gave me a lot of freedom over my finances and let me build enough credit to buy a home within the first year of using it. I learned how to work with revolving credit and having the safety net of it being a secured card took a lot of the pressure off. I really owe OpenSky a lot and their customer service is great. The online portal is simple and easy to navigate.
Victoria
06.27.2024

Opensky is simply amazing

Opensky is simply amazing raised my credit score after paying on time gave me they gave me money and raised my credit limit, then after I kept paying they offered me a higher limit... I had millions of doubts but they showed themselves to be loyal on top of as a beginner it was the lowest rate which I loved because it helped me to understand on my credit journey... THANK YOU
Charnette
08.17.2023

Rebuild your credit with OpenSky

For anyone starting off and wanting to build their credit fast, this card is perfect for you! I had it for 2 years and my credit score sky rocketed. Just make sure you keep up with payments and you're good to go
John
03.14.2024
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.
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. OpenSky Secured Visa® Credit Card’s minimum
is $200 and up to $3,000 (subject to approval). OpenSky Plus minimum is $300 and up to $3,000 (subject to approval).

2Based 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.