opensky® Plus Secured Visa® Credit Card
The opensky® Plus Secured Visa® Credit Card offers an "up to 10% cash back" rewards program on select purchases. It is important to understand that this is not a flat-rate cash-back card, and the rewards are earned through a portal rather than on all spending.
opensky® Plus Secured Visa® Credit Card
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- 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 as little as $300 – Secure your line with a refundable security 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!
- CLICK HERE TO APPLY ONLINE
*See Terms and Conditions
Application process
The application is conducted online through the opensky® website and is streamlined to be accessible to those with poor or no credit.1. Online application: You will provide basic personal and financial information on the opensky® website, including your name, address, date of birth, and Social Security number.
2. No credit check: Because this is a secured card, opensky® does not perform a credit check during the application process, making approval highly accessible.
3. Deposit funds: After your application is approved, you will need to fund your security deposit. The minimum deposit for this card is $300 up to $3000, and this will become your credit limit. Deposits can be made via a debit card during the application or at a later date via check, money order, or Western Union.
4. Receive your card: After your deposit is processed, your card will be mailed to you and should arrive within 12 to 14 business days.
Key features of the opensky® Plus Secured Visa® Credit Card
1. No annual fee: This is a major advantage over other opensky® cards, which have annual or monthly fees.2. No credit check: The card does not perform a credit check during the application process. This makes approval highly accessible for those with bad or no credit history.
3. Security deposit: Like all secured cards, your credit limit is tied to the amount of your refundable security deposit. The minimum deposit for this card is $300 up to $3000.
4. Builds credit history: opensky® reports your payment activity to all three major credit bureaus (Equifax, Experian, and TransUnion) every month.
5. Free FICO® score: You can track your progress by viewing your FICO® score for free through the opensky® mobile app.
6. Path to unsecured: With responsible use, you may be automatically reviewed for a credit limit increase or potentially upgraded to an unsecured credit card.
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Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score
FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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