How to Apply for the OpenSky Credit Card


If you are looking for a credit card that will help you build or rebuild your credit score, the OpenSky Credit Card might be for you. It sucks to apply for a card and then be denied because of your credit score, and the denial further decimates your score. The OpenSky Credit Card is a secure card which means you have to put up money as security before you use it.

OpenSky will report your monthly payment score to credit agencies which can help you build up credit. There may be a ton of reasons why your score got down into the funks, but the important thing is that you are now attempting to repair it. Putting up the security ensures you spend what you have. And if you decide to close the card, you get the security back.


Our editors have investigated the OpenSky Credit Card for you. There are a number of important details that you need to know before you decide whether or not to apply. Read all of the sections below on fees, benefits and eligibility before you take the step of applying for the card.


OpenSky Credit Card


What are the Features and Benefits of the OpenSky Credit Card?

With the OpenSky Credit Card, no credit check is needed to apply, making this card the perfect option for first-time cardholders or those of you hoping to improve a damaged score.

Your credit limit is defined by your security deposit amount, which is ultimately refundable once you’ve built trust with the bank. The choice is yours; whether you want to deposit as little as $200 or as high as $3000, you can decide which limit best suits your budget.

To help you build your credit score, OpenSky reports your bill payments to the three major credit bureaus, including Experian®, Equifax®, and TransUnion® every month. To ensure you never miss a payment, you can set up automated email alerts, which will remind you to settle your bill on time.

What are the Fees for the OpenSky Credit Card?

Building up your credit core is going to come with fees. Check out the comprehensive list below to determine if you are able to include those fees within your current financial lifestyle.

  • Annual Fee: $35
  • Annual Percentage Rate (APR) for Purchases: 19.14% *This APR will vary with the market based on the Prime Rate.
  • APR for Cash Advances: 19.14% O*This APR will vary with the market based on the Prime Rate.
  • Cash Advance: $6 or 5% of the amount of each Cash Advance, whichever is greater.
  • Foreign Transaction: 3% of each transaction in U.S. dollars
  • Late Payment Fee: Up to $38

If you are a first time cardholder or hoping to rebuild your damaged credit score, the OpenSky Credit Card can help. If you think you can handle the fees associated with it, you can move on to the next section to find out if you are eligible and how you can apply.

OpenSky Credit Card

How to Apply for an OpenSky Credit Card

Opening an OpenSky credit card account is pretty straightforward and should only take you a few minutes if you are eligible. To ensure you are eligible, they will ask for your personal information, including your name, ID, address, taxpayer identification number, and date of birth. They may also ask you to provide proof of sufficient income in the form of pay-slips or tax documents.

As previously mentioned, your current credit score is not taken into account upon application, meaning your chance of approval is a lot higher compared to other banks. To order your credit card, all you have to do is visit the OpenSky website and fill out the online application form. If approved, they will contact you regarding the next steps.


How to Contact OpenSky Credit Card

Head Office

1 Church St Ste 300

Suite 300

Rockville, MD 20850-4190


Telephone: 1 (800) 859-6412

To get in touch with OpenSky, you may address your mail to OpenSky® Card Services, PO Box 9224, Old Bethpage, NY 11804-9224.


Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.