- Min. deposit$200Refundable
- Regular purchase APR17.39%*Variable
- Annual fee$35
Additional rates & fees
- Annual fee
- $35
- Intro purchase APR
- N/A
- Regular purchase APR
- 17.39%* Variable
- Intro balance transfer APR
- N/A
- Regular balance transfer APR
- N/A
- Cash advance APR
- 17.39%* Variable
- Cash advance fee
- 5%, Min: $6
- Late fee
- Up to $38
- 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 "Apply Now" button, you can review the credit card terms and conditions on the provider's website.
Card details
- 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.
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