Min. deposit
$200RefundableRegular purchase APR
22.14%* VariableAnnual fee
$35
Additional rates & fees
- Annual fee
- $35
- Intro purchase APR
- N/A
- Regular purchase APR
- 22.14%* Variable
- Intro balance transfer APR
- N/A
- Regular balance transfer APR
- N/A
- Cash advance APR
- 22.14%* 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 "Continue" button, you can review the credit card terms and conditions on the provider's website.
Card details
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Join over 1.2 million cardholders who’ve used OpenSky to build their credit
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