The content is accurate at the time of publication and is subject to change.

The information for the OpenSky® Secured Visa® Credit Card offer may be out-of-date. The current card details are the following:

    • 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
    • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
    • 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
News: OpenSky Card Now Offers 0% Intro APR -

Many issuers offer assistance to its cardmembers during the coronavirus pandemic. Banks offer special programs to help people handle credit card payments as well as additional promotional offers allowing people to earn more rewards, save on interest, or offering additional options to use earned rewards.

The OpenSky® Secured Visa® Credit Card made a move as well and came up with a new initiative. The issuer started a promotional -month 0% introductory APR offer for all newly approved consumers.

It's a rare benefit for a secured credit card to offer 0% intro APR on purchases, even though it lasts only months. Still, it's a good opportunity to start building or improving credit during the pandemic. The security deposit for this card can be as low as $200 or as high as $3,000. Applicants can choose to put down any amount within that range.

Another benefit of this credit card is that consumers can choose when to pay the security deposit. It can be paid either during the application process by providing a debit card information, or by funding it at a later date through Western Union®, money order or check mailed to the issuer. When choosing the second way of funding the security deposit, the issuer will send detailed instructions in an email.

OpenSky Secured Visa card in a nutshell:

  • 0% intro APR on Purchases for the first months
  • Refundable security deposit between $200 and $3,000 - you choose it!
  • Reports to three major credit bureaus
  • No credit check