Apply guide
How to apply for the OpenSky® Secured Visa®
- Annual fee: $35/yr
- Deposit from $150–$3,000 — refundable
- Reports to all 3 bureaus — payments build your file
You will be redirected to another website.
The 4 steps
1. Check pre-qualification (soft pull, no score impact)~2 min
2. Fund your refundable deposit~5 min
3. Get your approval decisionoften instant
4. Turn on autopay, keep utilization under 30%ongoing
Not sure yet? Take the 60-second quiz →
Before you go
Does checking or applying hurt my credit score?
No — OpenSky performs no credit check at application. Approval is based on your deposit and identity verification.
What credit score do I need?
None. There is no score requirement, and bankruptcy does not disqualify you — the deposit is the collateral.
How long does it take to build credit with this card?
Reporting starts with your first cycle. With bankruptcy on file, expect a longer arc — 6–12 months of on-time reporting before meaningful movement.