Build credit 
with every swipe
OpenSky secured credit cards help you improve or build your credit while earning up to 10% cash back rewards*
You’re pre-approved** Apply now with no risk to your credit score.

How the OpenSky secured credit card works for you

Secured cards are just like unsecured credit cards but are backed by a cash deposit. This refundable deposit also sets your credit limit. Just use your card for everyday purchases, pay on time each month, and boost your credit score.

Start building your credit with just $200

Your credit line is equal to your security deposit, starting at $200(1)

A secured credit card can help build credit responsibly

Use your card responsibly & make on-time monthly payments to help build credit.

Eligible for credit line increases and unsecured card offers

After 6 months, you may be eligible for limit increases or upgrades to our unsecured credit card.***

We report to all 3 major credit bureaus

2 card options

for your credit journey

OpenSky

Secured Visa® Credit Card

Perfect to get started on your credit building journey.

Minimum security deposit
$200
Annual fee
$35
No credit check to apply
 
Up to 10% cash back rewards
 
25.64% Variable Annual percentage rate
+See terms and conditions

OpenSky Plus

Secured Visa® Credit Card

Great for re-building your credit with no annual membership fee.

Best Credit Cards to Build Credit voted by
Wallethub
Minimum security deposit
$300
Annual fee
$0
No credit check to apply
 
Up to 10% cash back rewards
 
29.99% Variable Annual percentage rate
+See terms and conditions

Shop fast and secure 
with Mobile Wallet

In-store any place you see the Apple Pay, Google Pay or Samsung Pay logos
Online choose Mobile Wallet when offered at check out

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

Still have questions?

We’ve got answers.

Join the 1.4 million

who are making the change...

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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.