opensky helps you get there.
When you apply for a secured credit card, you don’t have to go through a credit check. Instead, you make a refundable deposit once you’re approved.
That means you don’t need U.S. credit history. All you need is a Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN) to apply.
No credit? No problem. In just a few simple steps, you can start building a credit history.
Want to raise your credit score? opensky users improve their scores by +50 points in 6 months.^
Whatever amount you deposit becomes your credit limit. Your deposit is not a fee. It’s your money!
opensky has helped international college students just like you establish U.S. credit.
Do you already have a U.S. credit score?
Illustrative chart: an account opened with no credit history, earning a first score of 600 at month six and reaching 650 by month twelve.
For illustrative purposes only.
We have three major credit bureaus that gather your information from banks, credit card issuers, mortgage lenders, and public records: Equifax, Experian, and TransUnion. Scoring models like FICO® Score and VantageScore® use this data to produce your credit score.
Launch Secured Visa®
Plus Secured Visa®
See full card details on openskycc.com
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A secured credit card requires a one-time refundable security deposit to open and is equal to your credit limit. For example, if you deposit $150, your credit limit becomes $150. The beauty of the opensky secured credit card is that you can open an account without undergoing a traditional credit check. This is especially beneficial if you have a poor credit history or no credit history at all.
Your rate of improvement depends on a few factors, including your current status, payment habits, and your management of this and any other lines of credit. opensky is designed specifically to help people improve their credit fast, with an online/mobile app and tools like alerts to help monitor your account. Plus, you will get considered for credit line increases that turbocharge your growth.
There is no annual fee for the opensky Plus Secured Visa® Credit Card. There is a $35 annual fee for the opensky Secured Visa® Credit Card. There is a $2 monthly fee for the Launch Secured Visa® Credit Card for the first 12 months, followed by a monthly fee of $3. opensky believes in being upfront. There are no hidden fees or charges. All of our pricing and fee information is transparent and can be reviewed (see cardholder agreements at the bottom of this page).
When you apply for an opensky Visa® Credit Card, we will ask you for your name, address, date of birth and other information that will allow us to identify you. You may be asked to provide your driver’s license or other identifying documents. We are required to follow this procedure each time an account is opened, even if you are a current customer of Capital Bank, NA.
You must provide either a Social Security number or an individual taxpayer identification number (ITIN) to apply.
Applications are usually processed immediately. If your application is approved, you will know immediately and receive an email. After application approval and processing of your security deposit, your credit card is made and then mailed to you. This can take up to 12-14 business days. In some instances, we may need clarification on information provided in your application prior to approval. If we do, we will send you an email or a text notification. Your responsiveness to these questions will determine the timing of receipt of your credit card. Always be on the lookout for emails from opensky. Please note: this email address does not receive incoming emails.
We will notify you with an email from opensky once your application has been approved. Upon receiving and processing your security deposit, your credit card is made and then mailed to you. This can take up to 12-14 business days.
A credit limit represents the maximum amount you can spend on your credit card, subject to approval. You decide the deposit amount, which directly determines your credit limit. It can range from as low as $150 to as high as $3,000, depending on the card you choose. The goal is to ensure you can manage payments effectively and succeed in building your credit! All applications are subject to approval.
Yes! opensky is one of the few issuers that doesn’t require a linked checking account to apply. Simply choose to pay your security deposit at a later date on your application. Then, after you’ve been approved, you will receive an email back with instructions on how and where to fund your account.
The fastest way to fund your security deposit and get your card is to use your debit card at the time of application. Simply enter your debit card information into the Security Deposit section of the application. If you don’t have a debit card, you can fund your security deposit at a later date and choose from these easy options
If you choose to fund your security deposit at a later date, you will receive an email with the instructions and details on the next steps.
Your security deposit will be returned to you once your account is closed and the balance is paid in full. We may use your security deposit to expedite the paydown of your outstanding balance. In certain circumstances it can take eight (8) weeks; however, it generally takes less than four (4) weeks to receive your security deposit refund in the mail. Please refer to your Card Agreement for additional details related to your security deposit.
We report credit card account information to the credit bureaus once a month at the time your billing statement is generated.
Your opensky secured card can be used anywhere Visa is accepted. However, you will incur a 3% foreign transaction fee on all international purchases and cash advances.
It is not always necessary to alert us of your travel plans. However, you can advise us before traveling by calling the number on the back of your card. If you are already outside of the country, please give us a call using our international collect telephone number, 1-516-576-8685.
Federal law states that you can get a free report from each of the three nationwide consumer credit reporting companies - Experian®, TransUnion® and Equifax® – once every 12 months. Don’t be fooled by offers from companies to pull your credit report or websites that ask for payment to see your credit report; only https://www.annualcreditreport.com/index.action is the official site authorized by the Federal government.
Yes. opensky now provides a pathway for people who want to build their credit with a secured card to graduate to an unsecured card. With opensky, you can start building credit quickly and get evaluated for line increases starting at 6 months. You may be eligible for an opensky Gold Card in as little as 6 months—helping you to double your credit building power, with even more flexibility and freedom.
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^On average, opensky users improve their credit scores by 50 points in 6 months. That’s not just a statistic – that’s your future looking up.
*This offer is available for a limited time. To qualify for the $20, $30 or $70 statement credit, you must submit your application, be approved, and fully fund your security deposit at the qualifying level 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 three billing cycles to appear and will be reflected as “Adjustment to your account.” The statement credit is not a payment and will not reduce your minimum payment obligation. This offer is subject to change, modification, or cancellation at any time, consistent with applicable law. Additional terms and conditions may apply.
1Opensky Secured Visa® cards require a refundable security deposit. Your credit limit is based on the amount of your security deposit. Opensky Launch Secured Visa® Credit Card’s minimum is $100 and up to $1,000. Opensky Secured Visa® Credit Card’s minimum is $200 and up to $3,000 (subject to approval). Opensky Plus Secured Visa® Credit Card’s minimum is $300 and up to $3,000 (subject to approval).
2The opensky Launch Secured Visa® Credit Card requires a monthly fee. The monthly fee is billed at a rate of $2 per month, annualized at $24 for the first 12 months. Beginning year two and for as long as the account remains open, the monthly fee is billed at a rate of $3 per month, annualized at $36.
