Best next step card
No credit impact if declined
Up to 10% cash back*
Simple terms. Real growth.
You know
exactly what
you're getting.
A credit card with straightforward fees and simple terms.
You know
exactly what
you're getting.
A credit card with straightforward fees and simple terms.
Secured Card
Visa
We report to all 3 major credit bureaus. That's like getting triple overtime for your on-time payments.
Get approved
Apply in 2 minutes and get an answer fast. No impact to your credit score if you’re declined.
Spend normally
Use your new opensky card for gas, groceries, whatever. Build credit doing what you already do.
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Pay on time
Set up autopay—on time minimum payments help your score more than late full payments
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See results
Check monthly, not daily. Most see their credit increase within 3-6 months of consistent use, you could too!
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Level up
After 6-12 months, you could qualify for a credit limit increase, better cards, loans, and rates.
Apply with confidence
We’ll let you know right away if you’re approved, and if not? No worries. There’s no impact to your credit score if declined. And if you are approved, we report to all three credit bureaus - that’s triple the impact with every on time payment.
Cash back rewards on daily purchases
Get up to 10% cash back just for buying stuff you'd buy anyway. Turn your everyday spending into rewards while building credit. Same routine, double the benefits—all the rewards, zero extra work.
Stay on track
Credit building shouldn't require a desk and a file cabinet. Our mobile app puts payment reminders and autopay setup right in your pocket. Stay consistent without the stress—all the power of credit building, none of the paperwork.
Watch it work
This isn't just plastic—it's your financial glow-up. Follow our tips, use your opensky card consistently, and watch the magic happen. Your score climbs while your card works behind the scenes to upgrade your life while you're busy living it.
Unlock your future with good credit
Good credit isn't just a number—it's the difference between "application denied" and "welcome home." It's lower car payments, better apartment options, and unsecured credit offers. Adult life gets a lot easier when your credit score doesn't make lenders run away.
Credit goals, meet credit tools
Your credit journey shouldn't make you want to throw your phone across the room. We've built tools that keep it simple:
Your credit score will thank you
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Up to 10% cash back4 where it matters: Everyday spending
you’ll actually want
That OMG moment when your FICO® Score jumps 50+ points in 6 months*
The score
lenders use
+ 50 POINTS
* On average, OpenSky users improve their credit scores by 50 points in 6 months. That’s not just a statistic - that’s your future looking up.
Why people trust opensky
Frequently asked
What is the opensky® Visa® Credit Card?
The opensky® Visa® Credit Card is our unsecured credit card designed to help you continue building your credit without requiring a security deposit.
With responsible use, like making on-time payments and keeping your balance low, you can strengthen your credit profile while enjoying the convenience of a traditional credit card.
Is there a credit check for this card?
When you apply for an opensky® Visa® Credit Card, we check your credit to make a lending decision. If you’re approved, a hard credit check will occur as part of final processing. If you’re not approved, there’s no impact on your credit score
What’s the difference between an unsecured and secured card?
The main difference is that unsecured credit cards don't require a security deposit while a secured card does require a security deposit. With an unsecured card, the maximum limit is set by the issuer and is usually based on your credit score and history. With a secured card, the maximum limit is set by the security deposit amount used to fund the card.
Should I close my opensky Secured Card?
Not necessarily. Keeping your opensky Secured Card open may help support your credit history, especially if it’s one of your older accounts.
Many customers choose to keep their secured card while also using their unsecured card to continue building credit. If you’re unsure what’s best for your situation, it may help to consider how long you’ve had your account and your overall credit goals.
Do I need to provide a security deposit?
No, this card does not require a security deposit.
That means you can access a credit line without needing to fund a security deposit upfront, making it a great next step in your credit-building journey.
