OpenSky Secured Visa Credit Cards require a refundable security deposit that’s equal to your credit limit (for example, $200 down means you have a $200 limit). This enables you to open an account without a credit check, so you can still get a card and use it right away to improve your record—regardless of your history.
The problem with most traditional credit cards is that you usually can’t get one if you have poor history—which makes it difficult to build the credit you need to improve your score, make progress, and qualify for a card in the first place. With OpenSky, you can access a secured credit card, no credit check and no risk required.
Yes! OpenSky is one of the few issuers that doesn’t require a linked checking account to apply. Simply choose to pay your security deposit at a later date on your application. Then, after you've been approved, you will receive an email back with instructions on how and where to fund your account.
Secured cards are a type of credit card that are backed by a cash deposit, but otherwise work just like unsecured cards. The refundable deposit used to fund your OpenSky card is equal to your spending limit. Using it for everyday purchases and making on-time monthly payments helps to grow and improve your score over time.
Your rate of improvement depends on a few factors, including your current status, payment habits, and your management of this and any other lines of credit. OpenSky is designed specifically to help people improve their credit fast, with an online/mobile app and tools like alerts to help monitor your account. Plus you will get considered for credit line increases that turbocharge your growth.
An OpenSky secured card is designed specifically to help you quickly grow and improve credit by providing monthly reporting to the three major bureaus, built-in line increases, accessible tools that promote good spending habits, and turbocharged growth. All of these things work together to improve your FICO score month after month, and help you reap the rewards of financial wellness.
OpenSky is the most accessible solution for people looking to establish or rebuild their credit. With no credit check or bank account required to apply, an impressive 88% average approval rate*, and a low refundable deposit, we’re making it easy for everyone to access the opportunities they need to impact their best future.
We don’t mean to brag (okay, we do), but the OpenSky Secured Visa Credit Card has been rated the best secured card to build credit by a whole bunch of industry experts, like Nerdwallet, Forbes, NextAdvisor, and The Points Guys.
Third party advertisers, such as Credit Karma, receive compensation from OpenSky.
OpenSky Secured Visa Credit Cards require a refundable security deposit that’s equal to your credit limit (for example, $200 down means you have a $200 limit). This enables you to open an account without a credit check, so you can still get a card and use it right away to improve your record—regardless of your history.
The problem with most traditional credit cards is that you usually can’t get one if you have poor history—which makes it difficult to build the credit you need to improve your score, make progress, and qualify for a card in the first place. With OpenSky, you can access a secured credit card, no credit check and no risk required.
Yes! OpenSky is one of the few issuers that doesn’t require a linked checking account to apply. Simply choose to pay your security deposit at a later date on your application. Then, after you've been approved, you will receive an email back with instructions on how and where to fund your account.
Secured cards are a type of credit card that are backed by a cash deposit, but otherwise work just like unsecured cards. The refundable deposit used to fund your OpenSky card is equal to your spending limit. Using it for everyday purchases and making on-time monthly payments helps to grow and improve your score over time.
Your rate of improvement depends on a few factors, including your current status, payment habits, and your management of this and any other lines of credit. OpenSky is designed specifically to help people improve their credit fast, with an online/mobile app and tools like alerts to help monitor your account. Plus you will get considered for credit line increases that turbocharge your growth.
An OpenSky secured card is designed specifically to help you quickly grow and improve credit by providing monthly reporting to the three major bureaus, built-in line increases, accessible tools that promote good spending habits, and turbocharged growth. All of these things work together to improve your FICO score month after month, and help you reap the rewards of financial wellness.
OpenSky is the most accessible solution for people looking to establish or rebuild their credit. With no credit check or bank account required to apply, an impressive 88% average approval rate*, and a low refundable deposit, we’re making it easy for everyone to access the opportunities they need to impact their best future.
We don’t mean to brag (okay, we do), but the OpenSky Secured Visa Credit Card has been rated the best secured card to build credit by a whole bunch of industry experts, like Nerdwallet, Forbes, NextAdvisor, and The Points Guys.
Third party advertisers, such as Credit Karma, receive compensation from OpenSky.