Min. deposit
$200
Refundable
Regular purchase APR
18.89%*
Variable
Annual fee
$35

Additional rates & fees

Annual fee: $35

Intro purchase APR: N/A

Regular purchase APR: 18.89%* Variable

Intro balance transfer APR: N/A

Regular balance transfer APR: N/A

Cash advance APR: 18.89%* 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
View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
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