Skip the guesswork.
We researched these offers so you don’t have to.
Build credit, borrow smart, and save big through opensky’s partners to get everything from home loans to cash advances.
Home loans
Ready to stop throwing money at rent? We offer guidance and competitive rates without the runaround— owning shouldn't feel impossible.
Personal loans
Drowning in debt? MoneyLion could help consolidate it into one lower payment. Check out loan offers based on you and your credit.
Auto refinance
Stuck with a car payment that's bleeding you dry? MoneyLion makes it easy to see if refinancing could help lower what you're paying.
What are
Partner Offers?
Take your credit building further with our trusted partners. Opensky cardholders have access to home loans, personal loans, refinancing, cash advances, and credit builder loans – all designed to help you level up beyond your card.
Easy
As an opensky member, we fast-track you through applications so you spend less time applying and more time getting approved.
Vetted
Every partner has been carefully vetted by our team. These aren't random offers—they're tailored solutions from companies we trust.
Proven
Our partners are backed by millions of customer success stories and top ratings. When we say they work, we mean it.
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.
Let's get your credit game on point
