Highlights

• Earn up to 10% cash back on everyday purchases
• No credit check required – 89% approval rate with zero credit risk to apply!
• 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
• Join 1.6 million+ cardholders who have used OpenSky® to build better credit!

Additional Info

• Regular APR: 24.64% (variable)
• Annual Fee: $35
• Credit Line: $200-$3000 at time of application
• Credit Recommended: No credit, Poor, Fair
• Late Payment Fee: Up to $41
• Cash Advance APR: 24.64% (variable)
• Penalty APR: None
• Rewards Rate: Up to 10% cash back rewards

Specifications

Reviews