Best for No Credit Check

The OpenSky® Secured Visa® card is notable … because no credit check is required for approval. That means you can begin rebuilding your credit right away, no matter how damaged it may be. - WalletHub (October 5th, 2017)

Apply Now Apply Now
Wallet Hub

Best for No Credit Check

The OpenSky® Secured Visa® card is notable … because no credit check is required for approval. That means you can begin rebuilding your credit right away, no matter how damaged it may be. - WalletHub (October 5th, 2017)

Apply Now Apply Now
Wallet Hub

How does the OpenSky® Secured Visa® Credit Card build your credit?

You make it happen

No Credit Check

No credit check to apply

We don't pull your credit when you apply — so there’s no impact on your credit score.



You set the credit limit

Your credit limit is defined by your , as low as $200 and up to $3000*. You’re the one who decides what’s best for you.

*Subject to approval

Your Refundable Deposit

The refundable depositt you make when opening your account is important, because it means you can open an account without a credit check. So, if you have a poor credit history or even no history at all, you can still get a credit card and use it right away to start improving your score.

The deposit is held in an FDIC-insured account, and the full amount will be returned to you after your account is closed. That’s why people say it’s like the security deposit you make when renting an apartment.

tRefer to terms of the agreement

Everyday Purchase


Use your card for everyday purchases

Use your card to make purchases like gas or groceries, or for recurring bills like your phone, without changing your total monthly budget.


Payment

Make your payment

Make at least your minimum payment on time each month. Helpful hint: set up automated email alerts and never miss a payment.

 

Credit bureaus

We report to all three major credit bureaus

Equifax®, Experian® and TransUnion® get reports every month — that's important to help you quickly improve your credit score.

Secured cards ask for a security deposit at sign up. Why?

The refundable deposit you make when you open your account is important, because it means you can open an account without a credit check — no matter your credit history.

The security deposit becomes the foundation for your credit limit — you use it to help build your credit.

  • Security deposit as low as $200
  • 5 convenient ways to make your deposit
  • FDIC-insured deposit

Apply Now

99% of our OpenSky® Secured Visa® cardholders who started without a credit score were able to build their score in as little as six months.

Works like a traditional credit card

No Credit Check

All the benefits of a Visa®

This isn't some sort of a "starter card." The OpenSky® Secured Visa® delivers all the benefits of a Visa credit card.

Learn More

This isn’t some sort of a “starter card.” The OpenSky® Secured Visa® delivers all the benefits of a Visa® credit card, including worldwide acceptance, fraud protection and more. In fact, nobody will know it’s a secured card but you.

Annual Fee

Low Annual Fee

It has one of the lowest annual fees you'll find.


Learn More

One of the lowest you’ll find among leading secured cards. We don’t charge an application fee, processing fee or servicing fee.  Click here to review our terms and conditions.

Mail

Email Alerts & More

You can set up email alerts to act as reminders, like when your payment is due or when a credit/return has posted.

Learn More

Set email alerts to act as a reminder to make your payment, or let you know when you’re approaching your credit limit. Set up recurring automatic payments to ensure your card is paid on time. Even review your available credit limit prior to bigger purchases.

It takes less than 5 minutes to complete the 4 step application.

Named a great card for building, or rebuilding a positive credit rating.  – WiseBread.com (June 2017)

Apply Now Apply Now