ONLY ON CK: $25 CREDIT
Opensky® Secured Visa® Credit Card
1942 Reviews
Min. deposit
$200
Refundable
Regular purchase APR
23.89%* Variable
Annual fee
$35
Welcome bonus
$25
Additional rates and fees
Annual fee
$35
Intro purchase APR
N/A
Regular purchase APR
23.89%* Variable
Intro balance transfer APR
N/A
Regular balance transfer APR
N/A
Cash advance APR
23.89%* Variable
Cash advance fee
5%, Min: $6
Late fee
Up to $41
Penalty APR
None
Balance transfer fee
N/A
Foreign transaction fee
3%
Return payment fee
Up to $40
* 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
- Unlock an exclusive $25 Welcome Bonus* — issued as a Statement Credit — with $300+ same‑day funding
- Earn up to 10% cash back on everyday purchases
- No credit check to apply—Fast approval process, get your results quickly—Zero credit risk to apply!
- Graduate to the opensky Gold unsecured card in as little as 6 months
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with just $200—secure your credit line with a refundable deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- *Welcome Bonus Award Disclosure: To qualify for the $25 statement credit, you must submit your application, be approved, and fully fund the required security deposit on the same day. Limit one statement credit per customer. Your account must remain open and in good standing at the time the statement credit is applied. This may take up to two billing cycles to appear and will be reflected as “Adjustment to your account”. Terms, conditions, and offer eligibility are subject to change without notice. Additional restrictions may apply. This offer is not transferable and may be modified or withdrawn at any time without prior notice. This offer is exclusive to Credit Karma customers who apply through the Credit Karma link at time of application.