Sometimes life happens to your credit. OpenSky® Secured Visa® Credit Card is designed to help you build it back.

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 down means you have a $200 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 on how and where to fund your account.

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 required, no risk to apply and an 88% average approval rate². Just answer a few simple questions, provide some basic information, and click “Submit” to send your application. 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 will get considered for credit line increases that turbocharge your growth.

How can I build credit fast?

An OpenSky secured card is designed specifically to help you quickly grow and improve credit by providing monthly reporting to the three major bureaus, built-in line increases, accessible tools that promote good spending habits, and turbocharged growth. All of these things work together to improve your FICO score month after month, and help you reap the rewards of financial wellness.

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 rate², and a low 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.

What is the Limited Time Offer?

This is a limited time offer when you apply, are approved and fully fund your security deposit between November 17, 2023 and December 31, 2023.
o OpenSky® Secured Visa® Credit Card: $51 funding voucher applied to the refundable security deposit for a limited time only. 

What do customers have to do to qualify for the Offer ?

To be eligible for this offer, applicants must apply, be approved, and fully fund their security deposit between November 17, 2023 & December 31st, 2023. 

When does the offer expire?

This limited time offer expires on 12/31.

No credit checks to apply

$35 annual fee

$200 minimum deposit

88% average approval rate

Credit limit increases

Unlock unsecured in 6 months