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!
Editors Review
Security deposit is between $200 and $3,000 – your credit limit will be equal to your deposit.
Pros
- 24.64% 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 24.64% (variable) is one of the lowest APR for a secured card you can get.
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