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The OpenSky® Secured Visa® Credit Card is a simple way to build credit. Just use your card for everyday purchases, make on-time payments, andwatch your
credit grow.
© 2023 OpenSky® is a division of Capital Bank, N.A. All rights reserved.
1This offer is eligible to applicants who apply, are approved and fully fund their security deposit between November 17, 2023 and December 31, 2023. OpenSky will contribute a one-time promotional security deposit of $51 following the customers application, approval and funding on each OpenSky Secured Visa Credit Card obtained. If approved, customer must fund the entire amount of the security deposit based on the customer s approved credit line, less $51 in order to be eligible for the promotional security deposit offer. Please see Terms and Conditions for additional information.
2Based on Q3 2023, OpenSky® Secured Visa® Credit Card average approval rate is 88.5%. 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).
1This offer is eligible to applicants who apply, are approved and fully fund their security deposit between November 17, 2023 and December 31, 2023. OpenSky will contribute a one-time promotional security deposit of $51 following the customers application, approval and funding on each OpenSky Secured Visa Credit Card obtained. If approved, customer must fund the entire amount of the security deposit based on the customer s approved credit line, less $51 in order to be eligible for the promotional security deposit offer. Please see Terms and Conditions for additional information.
2Based on Q2 2023, OpenSky® Secured Visa® Credit Card average approval rate is 88.7%. 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).
Sometimes life happens to your credit. OpenSky® Secured Visa® Credit Card is designed to help you build it back.
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How can I get a credit card with no credit check?
OpenSky secured Visa cards require a refundable security deposit that’s equal to your credit limit (for example, $200 down means you have a $200 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 history—which makes it difficult to build the credit you need to improve your score, make progress, and qualify for a card in the first place. With OpenSky, you can access a secured credit card, no credit check and no risk to apply required.
Can I get a card if I don't have a checking account?
Yes! OpenSky is one of the few issuers that doesn’t require a linked checking account to apply. Simply choose to pay your security deposit at a later date on your application. Then, after you've been approved, you will receive an email back with instructions on how and where to fund your account.
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 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 required, no risk to apply and an 88% average approval rate2. Just answer a few simple questions, provide some basic information, and click “Submit” to send your application. 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 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 turbochargeyour growth.
How can I build credit fast?
An OpenSky 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 turbocharged 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 is the most accessible solution for people looking to establish or rebuild their credit. With no credit check or bank account required to apply, a high 88% average approval rate2, 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 Credit Card application, we will ask for your name, address, date of birth, and other information that will allow us to identify you. You may be asked to provide your driver’s license or other identifying documents.
What is the best secured credit card?
We don’t mean to brag (okay, we do), but the OpenSky Secured Visa Credit Card has been rated the best secured card to build credit by a whole bunch of industry experts, like Nerdwallet, Forbes, NextAdvisor, and The Point Guys.
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@breakyourbudget
Build credit quickly
Use your OpenSky 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.
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
Access additional credit when you build credit. Get evaluated for credit line increases every 6 months. Watch your score benefit from our automatic reporting to all three major credit bureaus. More credit means more credit building power, before you know it your credit has supersized itself.
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Customer Testimonials are solicited by Capital Bank N.A.
Influencer Testimonials are solicited by Capital Bank N.A.
Influencer Testimonials are solicited by Capital Bank N.A.
What is the Limited Time Offer?
This is a limited time offer when you apply, are approved and fully fund your security deposit between November 17, 2023 and December 31, 2023.
o OpenSky® Secured Visa® Credit Card: $51 funding voucher applied to the refundable security deposit for a limited time only.
What do customers have to do to qualify for the Offer ?
To be eligible for this offer, applicants must apply, be approved, and fully fund their security deposit between November 17, 2023 & December 31st, 2023.
When does the offer expire?
This limited time offer expires on 12/31.
No credit checks to apply
$35 annual fee
$200 minimum deposit
88% average approval rate
Credit limit increases
Unlock unsecured in 6 months
When you apply and fund.
Apply now!
OpenSky Secured Visa®
When you apply and fund.
$35 Annual Fee
Minimum deposit$200
Variable APR25.64%
No credit check
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OpenSky Secured Visa®
