OpenSky® Secured Visa® Credit Card

No credit check required – 89% approval rate with zero credit risk to apply!

Intro Purchase APR

n/a

Annual Fee

$35.00

Rewards Rate

Up to 10% cash back rewards

Credit Needed

No credit, Poor, Fair

Regular Purchase APR

24.64% (variable)

Credit Brand

Visa

Rating

Card Details Hide Details

Credit Card Details

  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200—secure your credit line with a refundable deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used OpenSky® to build better credit!

Additional Info

  • Regular APR: 24.64% (variable)
  • Annual Fee: $35
  • Credit Line: $200-$3000 at time of application
  • Credit Recommended: No credit, Poor, Fair
  • Late Payment Fee: Up to $41
  • Cash Advance APR: 24.64% (variable)
  • Penalty APR: None
  • Rewards Rate: Up to 10% cash back rewards
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General Disclaimer

Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s).

Editorial Notes

Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s).