Best credit rebuilding card
No credit check to apply
89.4% approval rate2
Put bad credit behind you
Your deposit =
Your credit line
No complicated formulas here. Your deposit is your new credit limit. $200 deposit means $200 to spend. Simple, clear, and totally up to you.
We report to all 3 major credit bureaus. That means every on-time payment is working triple shifts to build your credit.
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.
Credit goals, meet credit tools
Your credit journey shouldn't make you want to throw your phone across the room. We've built tools that keep it simple:
Your credit score will thank you
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Up to 10% cash back3 where it matters: Everyday spending
47+ Points. That's the difference between "maybe" and "yes"*
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 number—that's the difference between "application denied" and "when can you move in?"
Why people trust opensky
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.
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