Individual
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no annual fee
low APR from 12.99%
21 months 0% intro APR on BT and purchases
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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!
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- earn 5% back on two categories that you can choose by yourself
- earn 2% on restaurants
- 1% on all other purchases
- plus you get $25 bonus each time you redeem $100 and more cashback in a single transaction
no annual fee
5% on 2 categories you choose quarterly
2% on 1 category you choose quarterly
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- earn 3% back on gas ($4,000 annual limit, then 1%)
- 2% on travel purchases, dining out and Costco purchases
- 1% on everything else
the card was discontinued on March 2016
no annual fee with paid Costco membership
up to 3% back
CREDIT SCORE UPDATES
exclusive members-only deals
