Build your Credit in 6 months

99% of our OpenSky Secured Visa® Credit Card customers that started without a credit score already have.

OpenSky’s Secured Visa® Card gives you freedom to choose your security deposit amount, starting at $200.

  • There's no credit check needed
  • Low annual fee of $35
  • You choose your credit limit

Here's how the Secured Visa® Card works:

Apply

Apply & choose your credit limit by making a security deposit

You're in control: Choose a security deposit amount that works for you, starting at $200

The amount you pay as a deposit will equal your credit limit on your card.

Example: $200 deposit = $200 credit limit

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Use your card on anything

Use the balance on your card to make any purchase or scheduled payment.

The amount you pay as a deposit will equal your credit limit on your card.

Example: $200 deposit = $200 credit limit

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Make your minimum payment on time each month

You can manage your card easily online.

The amount you pay as a deposit will equal your credit limit on your card.

Example: $200 deposit = $200 credit limit

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We update the Credit Bureaus

We'll keep 3 major Credit Bureaus up to date monthly on your payment history.

The amount you pay as a deposit will equal your credit limit on your card.

Example: $200 deposit = $200 credit limit

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You’ll start to increase your credit score each month…

You can increase your score by as much as 25 points each month.

The amount you pay as a deposit will equal your credit limit on your card.

Example: $200 deposit = $200 credit limit

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…and achieve a good credit score!

Once you’ve reached a credit score of 699 or higher, you could upgrade to a card with a higher limit and no security deposit. You’ll also get your original Secured card deposit back.

The amount you pay as a deposit will equal your credit limit on your card.

Example: $200 deposit = $200 credit limit

Learn the benefits of good credit

Secured Cards ask for a security deposit at sign up. But why?

The security deposit secures your account with OpenSky while you build your credit. The amount you pay as a deposit will equal your credit limit on your card.

OpenSky’s Secured Visa® Card gives you freedom to choose your security deposit amount, starting at $200.

  • There's no credit check needed
  • Low annual fee of $35
  • You choose your credit limit

 

Having the secured card helped me get my credit score high enough to FINALLY get a loan for a new car. I was never able to get one before when I didn’t have any credit."

-Neena, 31

Benefits of the OpenSky Secured Visa® Card

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No Credit Check Needed

We don't need to check your credit. Plus, you'll take advantage of 18.41% APR.

 

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Low Annual Fee

A manageable $35 annual fee with no additional service, processing, or application fees.

 

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Self-Determined Credit Limit

Your refundable security deposit determines your monthly credit limit.

 

Experience a new kind of financial guidance.

The security deposit secures your account with OpenSky while you build your credit. The amount you pay as a deposit will equal your credit limit on your card.

OpenSky's Secured Visa® Card gives you freedom to choose your security deposit amount, starting at $200.

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