OpenSky® Secured Visa® Credit Card

Credit Card Details
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Credit Line: $200-$3000 at time of application

Card Brand Visa®

Credit Recommended Poor

Regular Purchase APR 25.64% (variable)

Annual Fee $35.00

Intro Purchase APR n/a

Intro Balance Transfer APR n/a


  • 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

Additional Info

  • Regular APR: 25.64% (variable)
  • Annual Fee: $35
  • Credit Line: $200-$3000 at time of application
  • Credit Recommended: Poor
  • Late Payment Fee: Up to $40
  • Cash Advance APR: 25.64% (variable)
  • Penalty APR: None
  • Rewards Rate: up to 10% cash back* rewards on purchases at over 40,000 retailers


Regular APR 25.64% (variable)
Annual Fee 35.00
Intro (Purchases) n/a
Intro (Transfers) n/a
Credit Recommended Poor
Cash Advance APR 25.64% (variable)
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Up to $40
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a
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