No Credit Check
With the OpenSky Secured Visa® Credit Card, good credit is yours for the taking. No matter where your credit’s been, you’ll decide where it’s going.
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No credit check
Real time application approval
88% average approval rate*
With OpenSky, good credit is your new reality.
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NO CREDIT CHECK
Here, your credit history is history.
We believe a person is much more than a number–so we don’t even ask. We designed OpenSky to give you a fresh start building credit so you can stop getting dragged down by your credit score and get back to the future–yours.
NO RISK TO APPLY
We took the ding out of building credit.
Applying for a traditional credit card dings your credit. Call us crazy, but we think a card designed to help you build credit should do just that. Applying for OpenSky won’t impact your credit score–the only changes we want you to see are the good kind.
NO CREDIT REQUIRED
No credit? No worries.
You have to have a credit card to build credit . . . but you need credit to get a credit card. Who thought this stuff up? At OpenSky, we have an 88% average approval rating*. If you’re human, you’re probably going to get approved. (Apologies to badgers.)
The credit builder for everyone.
OpenSky Secured Credit Card
Low Annual Fee
88% Average Approval Rate
Low $200 Security Deposit
Credit Limit Increases
Graduate to unsecured in 6 months
We report to all 3 major credit bureaus
“If your credit score is low or if you don’t have a credit score, the OpenSky Secured Visa® Credit Card could be the starting point you need to get your finances on track.”4
“If you've struggled to qualify for a secured card because of poor credit or lack of a bank account, this card is a good option.” 4
“Whether you have poor credit or no credit at all, OpenSky is an opportunity to improve your credit history.” 4
We’d like you to meet a million of our closest friends.
Lashae K.
Lavaughn C.
Leeann W.
Malcolm H.
Matthew A.
Michael B.
Michael S.
Michelle P.
Paula S.
Stephanie J.
Ty A.
Lashae K.
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High 88% avg approval rate.
Get Started
Lavaughn C.
0:00
High 88% avg approval rate.
Get Started
Leeann W.
0:00
High 88% avg approval rate.
Get Started
Malcolm H.
0:00
High 88% avg approval rate.
Get Started
Matthew A.
0:00
High 88% avg approval rate.
Get Started
Michael B.
0:00
High 88% avg approval rate.
Get Started
Michael S.
0:00
High 88% avg approval rate.
Get Started
Michelle P.
0:00
High 88% avg approval rate.
Get Started
Paula S.
0:00
High 88% avg approval rate.
Get Started
Stephanie J.
0:00
High 88% avg approval rate.
Get Started
Ty A.
0:00
High 88% avg approval rate.
Get Started
Lashae K.
Lavaughn C.
Leeann W.
Malcolm H.
Matthew A.
Michael B.
Michael S.
Michelle P.
Paula S.
Stephanie J.
Ty A.
Brittany L.
Christopher S.
Daniel A.
Dino B.
Donna N.
Emily G.
Imhile A.
Joseph B.
Juan T.
Julie H.
Justin H.
Lance T.
Brittany L.
0:00
High 88% avg approval rate.
Get Started
Christopher S.
0:00
High 88% avg approval rate.
Get Started
Daniel A.
0:00
High 88% avg approval rate.
Get Started
Dino B.
0:00
High 88% avg approval rate.
Get Started
Donna N.
0:00
High 88% avg approval rate.
Get Started
Emily G.
0:00
High 88% avg approval rate.
Get Started
Imhile A.
0:00
High 88% avg approval rate.
Get Started
Joseph B.
0:00
High 88% avg approval rate.
Get Started
Juan T.
0:00
High 88% avg approval rate.
Get Started
Julie H.
0:00
High 88% avg approval rate.
Get Started
Justin H.
0:00
High 88% avg approval rate.
Get Started
Lance T.
0:00
High 88% avg approval rate.
Get Started
Brittany L.
Christopher S.
Daniel A.
Dino B.
Donna N.
Emily G.
Imhile A.
Joseph B.
Juan T.
Julie H.
Justin H.
Lance T.
Build credit in four steps
STEP 1
Transfer
Just transfer funds for the refundable5 security deposit which sets your credit line. Get started with a minimum deposit the OpenSky secured Visa Credit card’s minimum is $200 and up to $3,000 (subject to approval). The OpenSky Plus card’s minimum security deposit is $300 and up to $3,000 (subject to approval).
STEP 2
Spend
From takeout to streaming - every purchase can help you build credit and earn rewards! Keep your spending below 30% of your credit limit to see the biggest credit gains and earn up to 10% cash back** on purchases.
STEP 3
Pay
Keep paying on time to see your score improve month after month. If you can’t pay in full, just take care of your minimum balance. Notifications keep you on track. Relax and watch good credit come to you.
STEP 4
Build
Boost your credit-building power with access to additional credit. Get evaluated for credit line increases every 6 months. With automatic reporting to all three major credit bureaus, before you know it your credit has supersized itself.
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Frequently Asked Questions
We’ve made getting credit easy. Your move.
No credit check to apply
No risk to apply
88% average approval rate*
