- Min. deposit$200Refundable
- Regular purchase APR17.64%*Variable
- Annual fee$35
Additional rates & fees
- Annual fee
- $35
- Intro purchase APR
- N/A
- Regular purchase APR
- 17.64%* Variable
- Intro balance transfer APR
- N/A
- Regular balance transfer APR
- N/A
- Cash advance APR
- 17.64%* 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 to apply and find out instantly if you are approved.
- OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
- Get considered for a credit line increase after 6 months, with no additional deposit required
- You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
- Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
- Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
- Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
- Easy application, apply in less than 5 minutes right from your mobile device
- Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- * View the cardholder agreement
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