New feature! Earn up to 10% cash back* on everyday purchases
No credit check to apply. Zero credit risk to apply!
Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
Get free monthly access to your FICO score in our mobile application
Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
Fund your card with a low $200 refundable security deposit to get a $200 credit line
Apply in less than 5 minutes with our mobile first application
Choose the due date that fits your schedule with flexible payment dates
Fund your security deposit over 60 days with the option to make partial payments
Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
*See Rewards Terms and Conditions for more information
Editors Review
Security deposit is between $200 and $3,000 – your credit limit will be equal to your deposit.
Pros
- 25.64% variable APR for purchases and balance transfer
- 25 days grace period
Cons
- $35 annual fee – that is a small fee for a secured card, but it is still a drawback
- 3% Foreign transaction fee
- Credit line change fee is $25 for every change (either increase or decrease)
Verdict
A good secured card option for those with bad credit. An APR of 25.64% (variable) is one of the lowest APR for a secured card you can get.
CREDIT SCORE UPDATES
exclusive members-only deals
