A secured card with no credit check to apply, for building credit from scratch.
Rates, fees and offers
- Regular APR
- 21.14% variable
- Annual fee
- $35
- Promo offers
- None currently advertised
- Balance transfer fee
- Not available
- Rewards
- No rewards. No credit check to apply; refundable deposit of $200 to $3,000 sets your limit.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
The $35 annual fee is modest, and the deposit is refundable when you close or upgrade the account.
Paying and contacting OpenSky
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all OpenSky cards → · Search all cards
Debt Sunset is not affiliated with or paid by any card issuer, and this page is not financial advice. Card names and art belong to their owners. See our Financial Disclaimer.