Secured Cards
Advertiser Disclosure
Advertiser Disclosure
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Category Rank
#1
Cards Offered
Visa®
Credit Needed
No credit check
Secure Site
Yes
- Unsecured credit line increases - After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
- Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.
- Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.
- Flexible credit line – the amount of your deposit determines your initial credit line – up to $3,000 and increase your credit line anytime with additional deposits.
- Easy funding options – several convenient options to easily fund your security deposit.
- Worldwide acceptance - use it anywhere Visa is accepted.
- Quick, easy application - apply online today!
Category Rank
#2
Cards Offered
Visa
Credit Needed
Bad
Secure Site
Yes
- If approved, fund your Security Deposit to open your account. Once open, you will have the opportunity to build your credit limit up to $5,000
- No credit history required to apply for this credit card
- Reports monthly to the major Consumer Reporting Agencies unlike most prepaid accounts
- Previous bankruptcy OK
- Know the score! Quarterly FICO Score is provided for free on the monthly billing statement.
- Complimentary Mastercard Identity Theft Resolution Services (subject to Mastercard guidelines)
- 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 First PREMIER® Bank product
Category Rank
#3
Cards Offered
Mastercard®
Credit Needed
Bad Credit
Secure Site
Yes
- Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
- No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
- Helps strengthen your credit with responsible card use. Reports to three national bureaus
- Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
Category Rank
#4
Cards Offered
Visa®
Credit Needed
Bad Credit
Secure Site
Yes
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- Nationwide Program though not yet available in NY, IA, AR, or WI
* See Card Terms. - Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
Category Rank
#5
Cards Offered
Mastercard®
Credit Needed
Bad Credit
Secure Site
Yes
