• No credit check to apply and find out instantly if you are approved.
• Easy application, apply in less than 5 minutes right from your mobile device
• Get considered for a credit line increase after 6 months, with no additional deposit required
• You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
• Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
• Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
• Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
• Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
• * View the cardholder agreement

• No Credit History or Minimum Credit Score Required for Approval
• Quick and Complete Online Application; No Credit Inquiry Required!
• Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
• Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
• Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
• Build Credit Faster with 6 reporting cycles per month.  (You will be assigned the fastest of 6 reporting cycles a month)
• 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
• Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
• Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
• Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
• Receive Your Card More Quickly with New Expedited Processing Option
• Available Nationwide
• APR for purchases = 21.49%
• Annual Fee = $29
• *See all terms and conditions.

Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank

• Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
• Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
• Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
• Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
• Get your FICO® Credit Score for free each month.
• Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
• Card issued by Merrick Bank, Member FDIC.
• See all terms and conditions on our website.

• All credit types welcome to apply!
• Fast and easy application process; results in seconds
• See if you’re Pre-Qualified without impacting your credit score
• Initial Credit Limit of $300 – $1,000* (subject to available credit)
• Monthly reporting to the three major credit bureaus
• Use your card at locations everywhere that Mastercard® is accepted
• Free online account access 24/7
• Mastercard Zero Liability Protection (subject to Mastercard Guidelines)
• *See all terms in conditions on website.

This offer is NOT available in the following states: MA, CO, WV, IL

Some Requirements (Not limited to)

• You need to have an existing checking account
• note:  Having the above does not auto approve you.  The bank will still look at other factors when making a decision.

Is there a credit check when I apply?

How long does it take to make a decision about my application?

• No Credit History or Minimum Credit Score Required for Approval
• Quick and Complete Online Application; No Credit Inquiry Required!
• Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
• Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
• Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
• Build Credit Faster with 6 reporting cycles per month.  (You will be assigned the fastest of 6 reporting cycles a month)
• 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
• Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
• Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
• Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
• Receive Your Card More Quickly with New Expedited Processing Option
• Available Nationwide
• APR for purchases = 15.49%
• Annual Fee = $39
• *See all terms and conditions

Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank

• No Credit History or Minimum Credit Score Required for Approval
• Quick and Complete Online Application; No Credit Inquiry Required!
• Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
• Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
• Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
• Build Credit Faster with 6 reporting cycles per month.  (You will be assigned the fastest of 6 reporting cycles a month)
• 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
• Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
• Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
• Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
• Receive Your Card More Quickly with New Expedited Processing Option
• Availalbe Nationwide
• APR for purchases: 11.49%
• Annual Fee = $49
• *See all terms and conditions

Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank 

• A Better Way To Build Credit - Build Credit History and/or have an installment account reported!
• Build Credit - Payments reported to all 3 major credit bureaus
• No Upfront Deposit -  Pay as little as $8.95 to get started today.  Monthly Deposit Plan Options:  $15, $30, $50, $48, $89, $96
• When you open your account, our bank instantly gives you a loan and places the loan funds in a FDIC insured savings account in your name. The savings account funds are locked to secure the loan.
• Make small monthly payments of principal and interest on your loan. The principal is a payment to yourself and is credited towards the lock on your savings – the interest is what we earn for providing the service.
• When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.
• We provide a free FICO® Score monthly so you can track your progress. 90% of top lenders use FICO Scores when making lending decisions.
• *See terms and conditions on website

• Reports to all 3 credit bureaus. No hard credit pull and no credit history required
• Self Lender helps you get a small loan that you save in a CD for 12 or 24 months
• Savings plans start at $25/month and include credit monitoring
• At the end of account term, you've built credit history and your CD savings unlock

• Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
• Reporting monthly to all three major credit reporting agencies
• Perfect credit not required for approval; we may approve you when others won’t
• Easy and secure online application; Checking account required
• $300 Credit Line (subject to available credit)
• Receive your card more quickly with optional Expedited Processing (additional fee applies)
• Get a result in as little as 60 seconds upon completion of the online application
• Online Customer Center available 24 x 7
• Issued by The Bank of Missouri, Member:  FDIC
• This program is not currently available in New York or Wisconsin.

• Your rent payments can improve your credit score. Get what you deserve
• We report your payments to TransUnion AND Equifax
• A new tradeline appears on your credit report
• Look for your score to change within 10 days

Who Would Want To Participate In Our Rental Reporting Program?

• Rebuilding Your Credit? We can help you rebuild your credit in a matter of days by reporting your last two years’ of on-time rent payments to TransUnion. The addition of this significant payment history will have a dramatic impact on your credit and allow you to move towards credit independence.
• Want To Establish Credit? We add a new trade line to your credit report that reflects your on-time rental payment history.  We add not just your on-time payments but we add the length of your rental payment history.  How many years have you been renting a house or apartment?  That length of credit history is not part of your credit report.
• Buying A Home? We add a new trade line to your credit report that reflects your on-time rental payment history.  We add not just your on-time payments but we add the length of your rental payment history.  How many years have you been renting a house or apartment?  That length of credit history is not part of your credit report. Your rent payment history both “thickens” your credit file with positive data that is taken into account and demonstrates your ability to repay your largest monthly obligation……. your rent.

There are 4 simple steps to the rent reporting process

1. Verification of your identity and rent payments: On your application, we need basic information such as your social security number, date of birth, address, and your landlord’s contact information. Your social security number ensures that your rent history is clearly matched with your credit profile.
2. Verification of your rent payments with your landlord: We work directly with your landlord to verify their identity and confirm your on-time rent payments both over the last 24 months, and in the months to come. For a fee of $50 each, we can also verify and report rent payments made to multiple landlords within the past 2 years.
3. Rent reporting to credit bureaus: Equifax and Transunion. 
4. Tradeline creation on your credit report: A new tradeline is created on your credit report within 5-7 business days. You receive a notification when this is completed. As you continue to pay your rent each month, more information is added to this tradeline. This is why it is important to keep your subscription paid and current every month.

What Does This Program Cost?