How to Build Your Credit Score with an OpenSky Credit Card

Are you looking for a credit card that will help you build or rebuild your credit score? Have you been disappointed before when your application has been denied due to a bad rating? Well, worry no more, the OpenSky Credit Card is your ultimate answer.

With this secured credit card, the goal is in your court. You set your credit limits, and you can build your credit score in as little as six months. Sound manageable? Let’s dig in and find out more about how the OpenSky Credit Card can help you build your score and how you can apply today.

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.


OpenSky Credit Card

Eligibility and How to Apply for an OpenSky Credit Card

Opening an OpenSky credit card account is pretty easy 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 document.

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 next steps.

OpenSky Credit Card Fees and Charges

  • 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% *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

OpenSky’s Address & Contact Details

To get in touch with OpenSky, you may send them a mail at OpenSky® Card Services, PO Box 9224, Old Bethpage, NY 11804-9224.


If you are a first time cardholder or hoping to rebuild your damaged credit score, the OpenSky Credit Card is what you need. Head to the OpenSky website and apply today to get your credit score back on track.

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.