Let’s get your credit game on point
1.6+ million cardholders, plus you.
No credit check to apply
89.4% approval rate1
Up to 10% Cash back rewards2
NerdWallet and WalletHub are based on editors review for the opensky Plus Secured Visa credit card.
Get approved
No credit check means no need to worry about a ding on your score. Apply in 2 minutes and get an answer fast.
Spend normally
Use your new opensky card for gas, groceries, whatever. Build credit doing what you already do.
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Pay on time
Set up autopay—on time minimum payments help your score more than late full payments
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See results
Check monthly, not daily. Most see their credit increase within 3-6 months of consistent use, you could too!
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Level up
After 6-12 months, you could qualify for a credit limit increase, better cards, loans, and rates.
Any credit score can make a comeback
Bad credit? No credit? We've been there. That's why we say yes when others say no. Everyone deserves a second chance (or maybe a first chance) at this credit game. Your credit story starts with one approval—ours.
Cash back rewards on daily purchases
Get up to 10% cash back just for buying stuff you'd buy anyway. Turn your everyday spending into rewards while building credit. Same routine, double the benefits—all the rewards, zero extra work.
Stay on track
Credit building shouldn't require a desk and a file cabinet. Our mobile app puts payment reminders and autopay setup right in your pocket. Stay consistent without the stress—all the power of credit building, none of the paperwork.
Watch it work
This isn't just plastic—it's your financial glow-up. Follow our tips, use your opensky card consistently, and watch the magic happen. Your score climbs while your card works behind the scenes to upgrade your life while you're busy living it.
Unlock your future with good credit
Good credit isn't just a number—it's the difference between "application denied" and "welcome home." It's lower car payments, better apartment options, and unsecured credit offers. Adult life gets a lot easier when your credit score doesn't make lenders run away.
On average, opensky users improve their credit scores by 47 points in 6 months.*
The score
lenders use
+ 47 POINTS
* On average, opensky users improve their credit scores by 47 points in 6 months. That’s not just a statistic - that’s your future looking up.
Real credit comeback stories
When I started with opensky I had no credit. I was in bankruptcy. All my previous cards were terminated. My credit score plummeted into the 400s. OpenSky approved me and has increased my credit limits several times due to my diligence in paying off the cards on time. And now they allowed me an unsecured card as well. My credit score is now in the 600s and rising. They enabled me when I had nowhere else to turn.
Credit cards for real life
opensky
Best starting out card: Perfect for those just starting their credit journey.
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opensky
Best starting over card: Great for those rebuilding their credit.
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opensky
Best 'no annual fee' card: Maximize your credit-building with more spending power.
We report to all 3 major credit bureaus. That means every on-time payment is working triple shifts to build your credit.
Not sure where to start?
Let’s find the perfect card for you.
Your FICO® credit score decoded
Watch your score climb as you master the basics, one on-time payment at a time.
Pay. On. Time.
On-time payments are credit's #1 rule. Even small payments above the minimum count when they're consistent. This is over a third of your score.
Don't max it out
Keep your balance under 30% of your limit6. Generally the lower your ratio is, the better. On a $200 card? Don't go over $60. Your score will thank you.
Keep cards active
Keep old accounts open with small, occasional purchases to build credit history. Those long relationships strengthen your score.
New cards count
New cards may help long-term but cause temporary dips-so apply only when needed. Our no credit check means no initial dip (one less worry)!
Different credit types
Having both cards and loans helps your score. It's only 10% though, so don't get unnecessary loans just to add variety.
Credit tips that actually help
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Real people. Real progress.
Frequently asked
What is a "secured" credit card?
A secured credit card requires a one-time refundable security deposit to open and is equal to your credit limit. For example, if you deposit $100, your credit limit becomes $100. The beauty of the opensky secured credit card is that you can open an account without undergoing a traditional credit check. This is especially beneficial if you have a poor credit history or no credit history at all.
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 obtain a copy of my credit report?
Federal law states that you can get a free report from each of the three nationwide consumer credit reporting companies - Experian®, TransUnion® and Equifax® - once every 12 months. Don't be fooled by offers from companies to pull your credit report or websites that ask for payment to see your credit report; only https://www.annualcreditreport.com/index.action is the official site authorized by the Federal government.
Is there an annual fee for this card? Are there any hidden charges?
Yes, there is a $35 annual fee for the opensky Secured Visa® Credit Card. There is no annual fee for the opensky Plus Secured Visa® Credit Card. Opensky believes in being upfront. There are no hidden fees or charges. All of our pricing and fee information is transparent and can be reviewed (See cardholder agreements at the bottom of this page).
What is a "credit limit" and how is my credit limit decided?
A credit limit represents the maximum amount you can spend on your credit card subject to approval. You decide the deposit amount, which directly determines your credit limit. It can range from as low as $100 to as high as $3,000, depending on the card you choose. The goal is to ensure you can manage payments effectively and succeed in building your credit! *All applications are subject to approval.
It's time for credit on your terms
