How to Apply for the OpenSky Credit Card


Looking for a credit card that will help build or rebuild a credit score? The OpenSky Credit Card might be the right pick. It sucks to apply for a card and then be denied because of credit score, and the denial further decimates the score. The OpenSky Credit Card is a secure card, which means money is spent as security before using it.

OpenSky will report each monthly payment score to credit agencies, which can help to build up credit. There may be a ton of reasons why a credit score got down into the funks. Putting up security ensures only spending what’s available. Upon closing the card, the security is returned.


Our editors have investigated the OpenSky Credit Card. There are a number of important details to know before deciding to apply. Read all of the sections below on fees, benefits, and eligibility before 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 hoping to improve a damaged score.


Credit limit is defined by the security deposit amount, which is ultimately refundable upon building trust with the bank. A cardholder can deposit as little as $200 or as high as $3,000, as per their budget

To help build up a credit score, OpenSky reports the cardholder’s bill payments to the three major credit bureaus, including Experian®, Equifax®, and TransUnion® every month. To ensure never missing a payment, set up automated email alerts, which will give reminders to settle each bill on time.

What Are the Fees for the OpenSky Credit Card?

Building up a credit score is going to come with fees. Check out the comprehensive list below to determine if they’re affordable.

  • 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

For first-time cardholders or those hoping to rebuild their damaged credit score, the OpenSky Credit Card can help. Move on to the next section to find out about eligibility and application details.

OpenSky Credit Card

How to Apply for an OpenSky Credit Card

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

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

How to Contact OpenSky

Head Office: 1 Church St Ste 300, Suite 300, Rockville, MD 20850-4190

Telephone: 1 (800) 859-6412

To get in touch with OpenSky, address 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.