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| regular APR | |
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
| regular APR | |
Best for members with average credit.
Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
We'll periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
Use your card to make purchases worldwide. (Cash advances and balance transfers are not available.)
| regular APR | |
- 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
CREDIT SCORE UPDATES
exclusive members-only deals
