Credit Recommended Poor/Limited/No Credit
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Regular APR 25.24% (V) Annual Fee $29 Credit Line up to $2,000 Cash Advance APR 30.24% (V)
Choose your own credit line - $200 to $2000 – based on your security deposit
Build your credit score.¹ Reports to all 3 credit bureaus
No minimum credit score required for approval!
¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Credit Recommended Poor/Fair/Limited/Damaged
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Regular APR 9.99% Fixed Annual Fee $48 Credit Line $200 - $1,000
Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
Absolutely No Credit Check or Minimum Credit Score Required
Automatic Reporting to All Three National Credit Bureaus
9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
Activate Today with a $200 Minimum Deposit - Maximum $1,000.
Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Credit Recommended Poor/Limited/No Credit
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Regular APR 15.24% (V) Annual Fee $49 Credit Line $2,000 Cash Advance APR 24.24% (V)
1% Cash Back Rewards on payments
Choose your own credit line - $200 to $2000 – based on your security deposit
Build your credit score.¹ Reports to all 3 credit bureaus
No minimum credit score required for approval!
¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Regular APR 25.64% (variable) Annual Fee $35 Credit Line $200-$3000 at time of application
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
Credit Recommended Poor/Limited/No Credit
Apply Now
Regular APR 19.24% (V) Annual Fee $39 Credit Line $2,000 Cash Advance APR 25.24% (V)
1% Cash Back Rewards on payments
Choose your own credit line - $200 to $2000 – based on your security deposit
Build your credit score.¹ Reports to all 3 credit bureaus
No minimum credit score required for approval!
¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Credit Recommended See website for Details*
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Regular APR 22.70% Variable Annual Fee $36 for first year. Billed $3 per month thereafter Credit Line $200-$3,000, depending on deposit amount Cash Advance APR 27.70% Variable
Choose your own credit line based on how much money you want to put down as a security deposit.
Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
After 9 months, we review your account for a credit line increase. No additional deposit required!
Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
Get your FICO® Credit Score for free each month.
Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
Card issued by Merrick Bank, Member FDIC.
Credit Recommended No credit, Poor, Fair
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Regular APR 29.99% (variable) Annual Fee $0 Credit Line $300-$3000 at time of application
New feature! Earn up to 10% cash back* on everyday purchases
No annual fee
No credit check to apply. Find out instantly if you are approved- 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
Monitor your credit progress with free access to your FICO Credit Score.
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
Secure your credit line with a refundable security deposit - as low as $300.
Easy application, apply in less than 5 minutes right from your mobile device
Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
Now you can make smaller partial payments towards funding your security deposit over 60 days
Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
*See Rewards Terms and Conditions for more information