Min. deposit
$200
Refundable
Regular purchase APR
25.14%* Variable
Annual fee
$35
Rewards rate
10%
Cash back

Additional rates & fees

Annual fee: $35

Intro purchase APR: N/A

Regular purchase APR: 25.14%* Variable

Intro balance transfer APR: N/A

Regular balance transfer APR: N/A

Cash advance APR: 25.14%* Variable

Cash advance fee: 5%, Min: $6

Late fee: Up to $40

Penalty APR: None

Balance transfer fee: N/A

Foreign transaction fee: 3%

Return payment fee: See Terms*

* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.

Card details

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