Graduate to Unsecured
OpenSky Gold Visa® Unsecured Credit Card doesn’t require an application. Your history with us is all that’s needed to check for your eligibility. We know you. We got you.
Start with Secured Card
Eligible in six months
No credit check
No deposit
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NO CREDIT CHECK
Unlock your Gold card with no credit check.
Be eligible for Gold status in six months. Thanks to your payment history with OpenSky, we know you’re good for it. It’s rather unheard of and we’re rather proud of that.
NO DEPOSIT REQUIRED
Access your Gold card with no additional funding needed.
Enjoy all the spending power of a credit card, while you hang on to your cash. Zero deposit. No application required. Sometimes, you can have something for nothing.
NO APPLICATION NEEDED
Get started using Gold credit without all the paperwork.
Once you’re invited, you’re approved. No additional applications. No fine print. No need to apply. We wish all credit cards were that way. But unfortunately, we’re not in charge of everything.
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
1,000,000+ credit builder cards issued.3
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.
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.
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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
Unlock your credit. Unleash your future.
Build your credit with OpenSky
Eligible for credit increases after 6 months
Graduate to unsecured Gold card
