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
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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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*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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