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opensky® Secured Visa® Credit Card

• Earn up to 10% cash back on everyday purchases
• No credit check required – 89% approval rate with zero credit risk to apply!
• Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
• Track your progress with free access to your FICO® score in our mobile app
• Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
• Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
• Start with just $200—secure your credit line with a refundable deposit
• Fast and easy application—apply in minutes with our mobile-first experience
• Flexible payment options—pick a due date that works for you
• More time to fund—spread your security deposit over 60 days with layaway
• Join 2 million+ cardholders who have used opensky® to build better credit!
• See Rates & Fees

Credit Needed:

Fair, Limited, PoorCreditWeb considers the following based on credit types:

A credit score between 601 and 699 is considered fair credit. A credit score between 645 and 689 is considered limited credit. A credit score below 600 is considered poor credit. ²

Reviews: Be the first to write one
Rewards: None

Annual Fee	Balance Transfers APR	Purchase Intro APR	Regular APR
$35	N/A*	N/A*	23.89% (variable)

Building credit can be a daunting task, especially if you have little to no credit history. However, with the OpenSky® Secured Visa® Credit Card, you can start building your credit with ease. This secured credit card offers a variety of benefits and features that can help you establish and improve your credit score. Keep reading to learn more about the OpenSky® Secured Visa® Credit Card and how it can help you build your credit.

What is the OpenSky® Secured Visa® Credit Card?
The OpenSky® Secured Visa® Credit Card is a secured credit card that requires a security deposit to open. This deposit acts as collateral for your credit limit, making it easier for individuals with no credit or poor credit to be approved. The minimum security deposit is $200, but you can choose to deposit more to increase your credit limit.

How Does it Help Build Credit?
One of the main benefits of the OpenSky® Secured Visa® Credit Card is that it reports to all three major credit bureaus - Experian, Equifax, and TransUnion. This means that your responsible credit usage will be reflected in your credit reports, helping you build a positive credit history. By making on-time payments and keeping your credit utilization low, you can improve your credit score over time.

No Credit Check Required
Unlike traditional credit cards, the OpenSky® Secured Visa® Credit Card does not require a credit check for approval. This makes it a great option for individuals with no credit or poor credit. As long as you have a valid Social Security number and can provide the required security deposit, you can be approved for this card.

Low Annual Fee
The OpenSky® Secured Visa® Credit Card has a low annual fee of $35, making it an affordable option for those looking to build their credit. This fee is automatically deducted from your available credit limit, so you don't have to worry about paying it out of pocket. Additionally, there are no hidden fees or penalty APRs with this card.

Other Benefits and Features
In addition to helping you build credit, the OpenSky® Secured Visa® Credit Card offers other benefits and features that make it a great choice for those looking to establish or improve their credit.
These include:

• Online account management: You can easily manage your account online, making it convenient to track your spending and make payments.
• Credit limit increases: With responsible credit usage, you may be eligible for a credit limit increase after a certain period of time.
• Fraud protection: The OpenSky® Secured Visa® Credit Card offers fraud protection to keep your account and personal information safe.