Min. deposit
$300RefundableRegular purchase APR
29.24%* VariableAnnual fee
$0Rewards rate
10%Cash back
Additional rates & fees
- Annual fee
- $0
- Intro purchase APR
- N/A
- Regular purchase APR
- 29.24%* Variable
- Intro balance transfer APR
- N/A
- Regular balance transfer APR
- N/A
- Cash advance APR
- 29.24%* Variable
- Cash advance fee
- 3%, Min: $10
- Late fee
- Up to $41
- Penalty APR
- N/A
- Balance transfer fee
- N/A
- Foreign transaction fee
- 3%
- Return payment fee
- Up to $40
* 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 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.
- Reports to all 3 major credit bureaus monthly to establish and build credit history.
- 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