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.
Applying for OpenSky is easy, with no credit check or risk to apply, and an impressive 88% average approval rate*. Just answer a few simple questions, provide some basic information, and click “Submit” to send your form. You’ll receive your approval in real-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.
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.
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.
OpenSky does not pull your credit — there is no credit check. You can get approved for our OpenSky Secured Visa® Credit Card whether you have poor credit or no credit. The card is designed to help build credit history with its monthly reporting to all three major credit bureaus. As a secured card, it does require a security deposit. Click here to learn more about how the OpenSky Secured Visa® Credit Card works.
No. Only you will know this is a secured credit card. Your payment and account history will be reported monthly to all three major consumer credit bureaus without being flagged as a secured card.
Requesting an increase is easy and can be done at any time. Simply visit openskycc.com, open the menu and tap on the “My Account” button. The My Account page will allow you to log in. Once you have logged into your account, choose the “Request Credit Line Increase” option in the “Account Services” section. If approved, you’ll receive an approval letter with instructions on how to send the additional security deposit to fund your credit limit increase.
The fastest way to fund your security deposit and get your card is to use your debit card at the time of application. Simply enter your debit card information into the Security Deposit section of the application.
If you don’t have a debit card, you can fund your security deposit at a later date and choose from these easy options:
If you choose to fund your security deposit at a later date you will receive an email with the instructions and details on the next steps.
You can use your OpenSky credit card everywhere Visa is accepted. Plus, you’re eligible for special Visa discounts through www.visa.com/discounts.
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.
Applying for OpenSky is easy, with no credit check or risk to apply, and an impressive 88% average approval rate*. Just answer a few simple questions, provide some basic information, and click “Submit” to send your form. You’ll receive your approval in real-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.
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.
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.
OpenSky does not pull your credit — there is no credit check. You can get approved for our OpenSky Secured Visa® Credit Card whether you have poor credit or no credit. The card is designed to help build credit history with its monthly reporting to all three major credit bureaus. As a secured card, it does require a security deposit. Click here to learn more about how the OpenSky Secured Visa® Credit Card works.
No. Only you will know this is a secured credit card. Your payment and account history will be reported monthly to all three major consumer credit bureaus without being flagged as a secured card.
Requesting an increase is easy and can be done at any time. Simply visit openskycc.com, open the menu and tap on the “My Account” button. The My Account page will allow you to log in. Once you have logged into your account, choose the “Request Credit Line Increase” option in the “Account Services” section. If approved, you’ll receive an approval letter with instructions on how to send the additional security deposit to fund your credit limit increase.
The fastest way to fund your security deposit and get your card is to use your debit card at the time of application. Simply enter your debit card information into the Security Deposit section of the application.
If you don’t have a debit card, you can fund your security deposit at a later date and choose from these easy options:
If you choose to fund your security deposit at a later date you will receive an email with the instructions and details on the next steps.
You can use your OpenSky credit card everywhere Visa is accepted. Plus, you’re eligible for special Visa discounts through www.visa.com/discounts.