OpenSky Credit Card: Your Path to Building or Rebuilding Credit

opensky credit card

Building or rebuilding credit is effortless with OpenSky Credit Card. With no credit check, a low refundable security deposit, and flexible payment options, OpenSky empowers individuals to take control of their financial future.

Learn how OpenSky’s features and customer-centric approach can help you establish or improve your creditworthiness.

No Credit Check and Zero Credit Risk:

Discover how OpenSky Credit Card eliminates the barrier of a credit check and carries zero credit risk. Start your credit journey with a low $200 refundable security deposit for a $200 credit line.

Improving Credit Score:

Learn how OpenSky Credit Card’s responsible credit usage can lead to significant improvements in your credit score. Experience a potential 48+ point increase after making just three on-time payments.

High Approval Rate:

Explore OpenSky’s inclusive approach with an average approval rate of 87% over the past 6 months. OpenSky gives everyone an opportunity to improve their credit regardless of their credit history.

Unsecured Credit Line Increase:

Discover how OpenSky offers the chance for an unsecured credit line increase after 6 months without the need for an additional deposit. Expand your credit access and solidify your creditworthiness.

Free FICO Score Access:

Stay informed about your credit progress with OpenSky’s mobile application, providing free monthly access to your FICO score. Empower yourself with valuable insights for better financial decision-making.

Credit Reporting Across Major Agencies:

Build a strong credit history by having your credit activity reported to Experian, Equifax, and TransUnion. OpenSky ensures your credit-building efforts are recognized by the three major credit reporting agencies.

Easy Application Process:

Experience the convenience of OpenSky’s mobile-first application, allowing you to complete the entire process in less than five minutes. Apply with ease and start your credit journey today.

Flexible Payment Dates:

Manage your payments effectively with OpenSky’s flexible payment dates. Choose a due date that aligns with your schedule, ensuring timely payments and maintaining a positive credit record.

Secure Deposit Funding:

Discover the flexibility of funding your security deposit over 60 days with OpenSky. Make partial payments to secure your credit line, even if you’re facing temporary financial constraints.

Join a Community of Success:

Join over 1.2 million OpenSky cardholders who’ve successfully built their credit history. Connect with like-minded individuals, exchange credit-building tips, and receive support throughout your journey.


OpenSky Credit Card offers a seamless path to building or rebuilding your credit. With no credit check, a low refundable security deposit, and flexible payment options, OpenSky has helped individuals improve their credit scores. Apply in minutes and embark on your credit-building journey with OpenSky.