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Apply for OpenSky® Secured Visa® Credit Card
OpenSky® Secured Visa® Credit Card
Apply now
for OpenSky® Secured Visa® Credit Card
at OpenSky's secure site
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At a glance

Up to 10%
Earn up to 10% cash back on everyday purchases

Ongoing Purchases APR

24.64% (variable)

Ongoing Cash Advance APR

24.64% (variable)

Ongoing Penalty APR

None
$35
No credit check
  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!

At a glance

Up to 10%
Earn up to 10% cash back on everyday purchases

Ongoing Purchases APR

24.64% (variable)

Ongoing Cash Advance APR

24.64% (variable)

Ongoing Penalty APR

None
$35
No credit check

More details

  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200—secure your credit line with a refundable deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
Apply now
for OpenSky® Secured Visa® Credit Card
at OpenSky's secure site

Our Take

TPG Editor‘s Rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3/5

Overview

This card has a relatively low APR for a secured card and a higher credit limit of up to $3,000 (matching your security deposit), and doesn't require a credit check to get. But it also comes with a $35 annual fee, and the opportunity to earn up to 10% cash back on everyday purchases.
Read the full review

Pros

  • This secured card has lenient credit requirements that allow almost anyone to get approved, no matter their score. OpenSky Secured Visa claims that 99 percent of its users who had no credit built up a credit score within six months of using the card

Cons

  • This card has a $35 annual fee, and no path to an automatically upgraded unsecured card.

Who is this card good for?

This card is good for those with a poor credit history looking to get back on track.

Earning Rewards

Up to 10% cash back rewards on everyday purchases.