OpenSky Secured Visa®
Bounce back
with better credit
No credit check to apply.
Get Started
25.14% Variable annual percentage rate
+See terms and conditions
Minimum security deposit1
$200
Annual fee
$35
Minimum monthly payment
$25
No credit check to apply.
Get Started
25.14% Variable annual percentage rate
+See terms and conditions

Credit comeback made easy

$200

Deposit1

Smart Deposit, Smart Spending

Provides enough room for unexpected expenses while building your credit.

$35

Annual fee

Clear Fee, Clear Plan

A predictable fee to help you plan ahead and avoid surprises.

$25

Min. payment

Affordable Payments, Healthy Habits

Keep your payments budget-friendly while developing healthy spending habits.

From reset to rise. Build credit with every payment.

Your credit score

+47 pts

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

From reset to rise. Build credit with every payment.

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

FICO® Score

Your credit,
your control

Track your FICO® Score easily via your OpenSky account or mobile app. With monthly updates and 12 months of history, you can see your progress and make informed decisions for better approvals and terms.
To get started, once you get your card, opt in via MyAccount: click “View FICO® Score,” agree to the Terms & Conditions, and you’re all set.

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

Look to the 5 stars to
see your credit comeback

Look to the 5 stars
to see your credit
comeback

See how others have found success with OpenSky.

OpenSky gave me another chance to help...

OpenSky gave me another chance to help me rebuild my credit after a car repo, and default on numerous credit cards. After a few years I have been able to rebuild my credit to "Excellent" and almost to a $100k limit with other credit cards. I even have a line of business credit now! Thank you, OpenSky!
John
04.17.2024

I had filed for bankruptcy

 I searched how to rebuild my credit. I make my payments like always. Now I get boosted to 800 credit limit instead of 200. I have not dealt with customer service. That's only cause everything is clear. Make your monthly payment. My credit score has been raised. It keeps going up.
Lynne
11.28.2023

OpenSky is a great credit builder

My OpenSky secured card helped me pull my credit out of the gutter and quality to buy a house. OpenSky was quick in reporting my on time payments to the credit bureau which helped my score increase on a monthly basis. I would definitely recommend to anyone looking to rebuild their credit.
Michele
08.24.2023
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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 an OpenSky secured credit card 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 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 OpenSky Secured Visa® Credit Card monthly fee?
The OpenSky Secured Visa® Credit Card has an annual fee of $35.
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).

2 Based 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.