Improving your credit can be daunting which is why we’ve made it simple! OpenSky Plus Secured Visa® Credit Card is designed to do exactly that.
No credit check to apply
No credit risk to apply
88% average approval rate1
OpenSky Plus helps you with each purchase and payment. Boom.
Zero annual fees.
Keep your focus on the future without worry of unexpected fees.
Positive payment cycles.
Built-in spending limits help you maintain control of your monthly budget.
Roadblocks removed.
We’ve removed all the risks that come with credit applications to help you see results and reach your future goals.
Get Started
TWO WAYS TO BUILD CREDIT
OpenSky Secured Credit Cards
OpenSky
$35 Annual Fee
Minimum Security Deposit
$200
Variable APR
20.99%
No Credit Check
Get OpenSky
OpenSky Plus
$0 Annual Fee
Minimum Security Deposit
$300
Variable APR
29.99%
No Credit Check
Get OpenSky Plus
We report to all 3 major credit bureaus
build credit easily
Build credit in four steps
Transfer
Just transfer funds for the refundable* security deposit which sets your credit line. Get started with a minimum deposit as low as $200 or choose any amount up to $3,000.
Spend
From takeout to streaming, every purchase helps you build credit. Keep your spending below 30% of your credit limit to see the biggest credit gains. Spend like normal, build credit like crazy.
Pay
Keep paying on time to see your score improve month after month. If you can’t pay in full, just take care of your minimum balance. Notifications keep you on track. Relax and watch good credit come to you.
Build
Boost your credit-building power with access to additional credit. Get evaluated for credit line increases every 6 months. With automatic reporting to all three major credit bureaus, before you know it your credit has supersized itself.
Apply NowApply Now!
No credit check to apply
No credit risk to apply
88% average approval rate1
Lorem Ipsum is simply dummy text of the printing and typesetting industry.
Lorem Ipsum is simply dummy text of the printing and typesetting industry.
Lorem Ipsum is simply dummy text of the printing and typesetting industry.
© 2022 OpenSky® is a division of Capital Bank, N.A. All rights reserved.
Privacy
Security
Cardholder Agreement
*Based on an average over the last 5 years, OpenSky® Secured Visa® Credit Card approval rate is 85%.
The information in the articles listed below is provided for general education, informational or illustrative purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness or fitness for any particular purpose. We do not guarantee that the information presented is the same information that may be used or reviewed by a third party to assess your creditworthiness or eligibility for any particular product or service. The information is not intended to be and does not constitute financial, legal, tax or any other advice specific to you the user or anyone else. The companies and individuals referred to in the articles below are not sponsors of, do not endorse, and are not otherwise affiliated with the companies below.
1Based on 60 month loan for $20,000 based on FICO score of 580 vs. 720 according to The Ascent (Source: Here's How Much Money Bad Credit Will Really Cost You | fool.com)
2Based on a $250,000 30 year loan 620 credit score vs 760 credit score according to The Ascent (Source: Here's How Much Money Bad Credit Will Really Cost You | fool.com)
3Bad credit could increase your security deposit by an average of $1,006 according to a Syracuse University study (Source: The Cost of a Bad Credit Score | Syracuse University)
4Lorem ipsum dolor sit amet, consectetur adipiscing elit.
Sometimes life happens to your credit. OpenSky Secured Visa® Credit Card is designed to help you build it back.
OpenSky helps you with each purchase and payment. Boom.
build credit
easily
Credit limit increases help to instantly boost your credit your score. Lorem ipsum dolor sit am, consectetur adipiscing elit. Egestas morbi lacinia.
Build credit in four steps
Fund your card with a refundable, $200 minimum security deposit, activate it, and it’s ready to use for any type of purchases. Your deposit determines your limit, so you can decide what works best for you.
Transfer
Get Started!
Enter your info and take the first step toward getting your OpenSky Plus Secured Visa Credit Card.
@breakyourbudget
Build credit quickly
Use your OpenSky Plus card like a regular credit card because it is a regular credit card. Make on time payments and watch your credit score improve in just a few months. Keep your utilization under 30% to help boost your score further.
@breakyourbudget
Build with everyday spending
Change your credit, not your routine. The OpenSky card builds credit on purchases you’re already making. Build credit while you, simply, do you.
Change your credit, not your routine. The OpenSky card builds credit on purchases you’re already making. Build credit while you, simply,
do you.
@breakyourbudget
Build across all major bureaus
We automatically report to Transunion, Equifax and Experian so you can level up your credit regularly. Just keep up with your monthly on-time payments and we’ll be sure to brag about you like a proud Aunt.
We automatically report to Transunion, Equifax and Experian so you can level up your credit regularly. Just keep up with your monthly on-time payments and we’ll be sure to brag about you like a
proud Aunt.
@breakyourbudget2Influencer Testimonials are solicited by Capital Bank N.A.
@breakyourbudget2Influencer Testimonials are solicited by Capital Bank N.A.
Fund Your Account
Transfer funds for the refundable3 security deposit which sets your credit line. Get started with a minimum deposit as low as $300 or choose any amount up to $3,000 (subject to approval).
Spend Responsibly
From takeout to streaming, every purchase can help you build credit. Keep your spending below 30% of your credit limit to see large credit gains. Spend like normal, build credit like crazy
Make Payments
Keep paying on time to see your score improve month after month. Notifications keep you on track and monthly payment reporting to credit bureaus keeps you motivated.
Unlock Financial Milestones
To continue to build your credit, use your card responsibly and you’ll continue to access additional credit opportunities and make progress toward your goal of an unsecured card, qualifying or lowering the rate of an auto loan.
OpenSky Cardholder* Joseph B.
OpenSky Cardholder* Michelle P.
OpenSky Cardholder* Daniel A.
Join in!
*Customer Testimonials are solicited by Capital Bank N.A.
Joseph B.
Michelle P.
Daniel A.
Get pre-approved
Customer Testimonials are solicited by Capital Bank N.A.
© 2024 OpenSky. All rights reserved.
Privacy
Security
Cardholder Agreement
© 2023 OpenSky is a division of Capital Bank, N.A. All rights reserved.
1Based on Q4 2023, OpenSky Plus Secured Visa®Credit Card average approval rate is 88.5%. Individual results may vary.
2Third party influencers/advertisers such as @breakyourbudget receive compensation from Capital Bank N.A.
3The refundable deposit you make when opening your account is important, because it means you can open an account without a credit check. Your security deposit is returned to you once your credit card account is closed and the balance is paid in full. We may use your security deposit to expedite the pay down of your outstanding balance. Please refer to the Cardholder Agreement for additional details related to the security deposit. It can take up to four to six weeks before you receive your security deposit back, allowing for processing and mailing time.
4You may be considered for an unsecured credit line increase after 6 months - no additional deposit required.
Based on Q3 2022, OpenSky® Secured Visa® Credit Card average approval rate is 87.4%. Individual approval results may vary.
*OpenSky® Secured Visa ® Credit Cards require a refundable security deposit. Your credit limit is based on the amount of your security deposit. Minimum is $200 and up to $3,000 (subject to approval).
Apply today
OpenSky Plus Secured Credit Card
No credit check to apply
Zero annual fee
Low $300 security deposit 3
88% average approval rate1
Credit Limit Increases
Unlock unsecured in 6 months4
Apply now!
How can I get a credit card with no credit check?
OpenSky Plus secured Visa cards require a refundable security deposit that’s equal to your credit limit (for example, $300 down means you have a $300 credit 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 credit history—which makes it difficult to build the credit you need to improve your score, and qualify for a card in the first place. With OpenSky Plus, you can get access to a Visa® secured credit card with no credit check and no risk to apply required.
Can I get a card if I don't have a checking account?
Yes! OpenSky Plus is one of the few issuers that doesn’t require a linked checking account to apply. There are multiple ways to fund your refundable security deposit. Once you apply, we will give you instructions on way to fund your new OpenSky Plus Visa secured credit card.
Meet frequently answered answers.
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 Plus 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 or risk to apply, and an impressive 88% average approval rate1. Just answer a few simple questions, provide some basic information, and click “Submit” to send your form. 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 Plus 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 may be considered for credit line increases that turbochargeyour growth.
How can I build credit fast?
An OpenSky Plus 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 expedited 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 Plus is the most accessible solution for people looking to establish or
rebuild their credit. With no credit check or bank account required to apply 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 Plus Credit Card application, we will ask for your name, address, date of birth, and other basic information. You may be asked to provide your driver’s license or other identifying documents.
Regular credit cards encourage spending, OpenSky Plus encourages strong financial habits
Focus on your financial future without the worry of an annual fee
Payment notifications and built-in spending limits help you maintain control of your monthly budget and make payments on time
We have removed the blockers that have kept you from getting a credit card in the past, including the credit check required to apply and the annual fee.
OpenSky is a division of Capital Bank N.A.
1Based on Q3 2022, OpenSky Secured VisaCredit Card average approval rate is 87.9%. Individual results may vary.*OpenSky Secured Visa®
2Third party influencers/advertisers such as @breakyourbudget receive compensation from Capital Bank N.A.
3The refundable deposit you make when opening your account is important, because it means you can open an account without a credit check. Your security deposit is returned to you once your credit card account is closed and the balance is paid in full. We may use your security deposit to expedite the pay down of your outstanding balance. Please refer to the Cardholder Agreement for additional details related to the security deposit. It can take up to four to six weeks before you receive your security deposit back, allowing for processing and mailing time.
4Get considered for an unsecured credit line increase after 6 months - no additional deposit required.
