No credit check to apply

88% average approval rate**

$200 minimum security deposit*

The OpenSky Secured Visa^® Credit Card is a simple way to build credit. Just use your card for everyday purchases, make on-time payments, and watch your credit grow.

How can I get a credit card with no credit check?

OpenSky secured Visa cards require a refundable security deposit** that’s equal to your credit limit (for example, $200 security deposit means you have a $200 credit limit). This enables you to open an account without a credit check, so you can still get a card and use it right away to improve your credit score—regardless of your history.

What are the best credit cards for bad credit?

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 to apply required.

Can I get a card if I don't have a checking account?

Yes! OpenSky is one of the few issuers that doesn’t require a linked checking account to apply. Simply choose to pay your security deposit at a later date on your application. Then, after you've been approved, you will receive an email back with instructions for other funding options.

What is a secured credit card and how does it work?

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.

How do I get a secured credit card?

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.

How much will a secured credit card raise my score?

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 may be considered for credit line increases that turbocharge your growth.

How can I build credit fast?

An OpenSky Secured Credit Card is designed specifically to help you quickly improve your credit score. OpenSky provides monthly reporting to all three major credit bureaus. Making on time monthly payments and keeping your credit utilization below 30% are some of the ways to help you improve your FICO score month after month.

How can I get a credit card with no credit?

OpenSky is the most accessible solution for people looking to establish or rebuild their credit. With no credit check or bank account required to apply, a high 88% average approval rate**, and a low security refundable deposit, we’re making it easy for everyone to access the opportunities they need to impact their best future.

What do I need to apply?

In your OpenSky Credit Card application, we will ask for your name, address, date of birth, and other information that will allow us to identify you. You may be asked to provide your driver’s license or other identifying documents.

What is the best secured credit card?

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 Point Guys.