OpenSky
Estimated value: 1.0¢ per points
OpenSky is a secured and entry-level credit card program designed for credit-building. The OpenSky Secured Visa earns a small amount of cashback (typically 1%) and is primarily used to build or rebuild credit history with no credit check required. Rewards are minimal and the program is not designed for points optimization. Best for: consumers with no credit history or damaged credit who need a secured card to build credit. Not recommended for rewards optimization.
Best next action
Understand how OpenSky fits your rewards plan.
Use the program facts below to decide whether to earn, transfer, or simply keep this program on your shortlist.
1.0¢
per points (baseline)
Cashback redeems as statement credit at 1¢/point. No travel redemptions or transfer partners. Rewards are minimal — the main purpose of this card is credit building, not rewards maximization.
OpenSky cards earn basic cashback (1% on purchases). The primary benefit is credit building, not rewards earning. Keep utilization below 30% and pay on time each month to improve credit score.