Your opensky® secured card is more than plastic—it's your path to better credit.
Credit building starts now!
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Up to 10% cash back1 where it matters: Everyday spending
Credit building tips
Your opensky® card is more than just plastic—it's your tool for building better credit. Here's everything you need to know to make the most of it.
Build credit faster with opensky®
Why on-time payments matter most for credit
Keep your balance under 30% to boost your score
Mix different types of credit to boost your score
Get mortgage-ready credit with opensky
Build credit faster with opensky®
Your opensky® card reports to all three major credit bureaus every month. Every on-time payment gets seen by everyone who matters. Plus, no credit check means no ding on your score just for applying. You start building from day one.
Why on-time payments matter most for credit
On-time payments make up 35% of your credit score—more than any other factor. Even small payments above the minimum count when they’re consistent.
Every month you’re on time is another month proving you’re reliable with credit.
Keep your balance under 30% to boost your score
Your credit utilization—how much of your available credit you're using—matters. Keep it under 30% of your limit, and your score stays happy.
On a $200 opensky® card? Don't go over $60. This simple rule can be the difference between a "good" and "excellent" credit score.
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Mix different types of credit to boost your score
Having both cards and loans shows you can handle different types of credit. It's only 10% of your score though. So don't get a car loan just to boost your score—that's expensive credit building. Start with your opensky card, then add other types when you need them.
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Get mortgage-ready credit with opensky
Most lenders want 12 months of positive payments and a 620+ credit score. Smart card management can get you mortgage ready faster than you think.
Ready for the next step? Our path to homeownership program connects you with mortgage specialists who understand your credit journey.
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Frequently asked
How can I access FICO® Score for free?
Just follow these steps - online or on your mobile app to set up FICO® tracking:
- On the Account Summary Page, click on the "View FICO™ Score" button on the FICO widget or select "View FICO® Score" on Services Drop-down
- View FICO® Terms & Conditions screen
- To opt-in, simply click the "Agree" button
How can I set up text or email alerts?
To set up alerts:
1. Sign into opensky Mobile or go to “Sign In” on your computer
2. Select “Services” in the drop-down menu
3. Click “Alerts” from the navigation on the left
4. Choose when and how to stay informed
How can I set up Autopay?
Via the opensky Mobile App or online account management – you can sign up for Auto-Pay and schedule recurring, monthly payments, or set up one-time payments.
How do I add my opensky credit card to my mobile wallet?
Adding your card to your mobile wallet is simple. Open your preferred digital wallet app and tap “Add.” Then, either take a photo of your card or enter the details manually. Accept the terms and verify your card to finish setup.
How can I find the cash back rewards website?
To access the opensky Rewards site, login to your account or mobile app and select “opensky Rewards” from the dropdown. You’ll be taken to your personalized rewards page, where you can browse offers using the search bar and filters, and discover deals near you with the local offers map.