Graduate to Unsecured

How credit builders graduate to an unsecured credit card.

OpenSky Gold Visa® Unsecured Credit Card doesn’t require an application. Your history with us is all that’s needed to check for your eligibility. We know you. We got you.

Start with Secured Card

Eligible in six months

No credit check

No deposit

No credit check
No deposit required
No application needed

@DebtFreeGonnaBe3

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@DebtFreeGonnaBe3

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NO CREDIT CHECK

Unlock your Gold card with no credit check.

Be eligible for Gold status in six months. Thanks to your payment history with OpenSky, we know you’re good for it. It’s rather unheard of and we’re rather proud of that.

Start with Secured Card ->
NO DEPOSIT REQUIRED

Access your Gold card with no additional funding needed.

Enjoy all the spending power of a credit card, while you hang on to your cash. Zero deposit. No application required. Sometimes, you can have something for nothing.

Start with Secured Card ->
NO APPLICATION NEEDED

Get started using Gold credit without all the paperwork.

Once you’re invited, you’re approved. No additional applications. No fine print. No need to apply. We wish all credit cards were that way. But unfortunately, we’re not in charge of everything.

Start with Secured Card ->

The credit builder for everyone.

OpenSky Secured Credit Card

Cash Back Rewards

89% Average Approval Rate

Low $100 Security Deposit

Credit Limit Increases

Potential to graduate to unsecured

We report to all 3 major credit bureaus
Start with Secured Card ->

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.
0:00
High 88% avg approval rate.
Get Started
Leeann W.
0:00
High 88% avg approval rate.
Get Started
Malcolm H.
0:00
High 88% avg approval rate.
Get Started
Matthew A.
0:00
High 88% avg approval rate.
Get Started
Michael B.
0:00
High 88% avg approval rate.
Get Started
Michael S.
0:00
High 88% avg approval rate.
Get Started
Michelle P.
0:00
High 88% avg approval rate.
Get Started
Paula S.
0:00
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.
0:00
High 88% avg approval rate.
Get Started
Christopher S.
0:00
High 88% avg approval rate.
Get Started
Daniel A.
0:00
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.
Start with Secured Card

Build credit in four steps

STEP 1

Transfer

Transfer funds for your refundable5 security deposit, which sets your credit line. Get started with as little as $100, with deposit options ranging up to$3,000, depending on the card you choose. Explore our products to find the best fit for you.
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

Unlock your credit. Unleash your future.

Start with Secured Card ->

Build your credit with OpenSky

Eligible for credit increases after 6 months

Graduate to unsecured Gold card