Posts by CardBenefit

Get a First Progress Select Card and Earn 1% Cash Back Rewards!
Secure your credit line with your refundable security deposit - choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
Choose the First Progress Select Card for a lower annual fee!
All credit types welcome to apply!
Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Earn up to 10% cash back on everyday purchases
No credit check required - 89% approval rate with zero credit risk to apply!
Boost your credit score fast-2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
Track your progress with free access to your FICO® score in our mobile app
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Seamless payments-add your card to Apple Pay, Google Pay, and Samsung Pay
Start with just $200-secure your credit line with a refundable deposit
Fast and easy application-apply in minutes with our mobile-first experience
Flexible payment options-pick a due date that works for you
More time to fund-spread your security deposit over 60 days with layaway
Join 1.6 million+ cardholders who have used OpenSky® to build better credit!

$400 Initial Credit Limit
Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

Up to $1,000 Initial Credit Limit
See if you Pre-Qualify with No Impact to your Credit Score
Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

Up to $1,000 Initial Credit Limit
See if you Pre-Qualify with No Impact to your Credit Score
Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

Choose your own credit line based on how much money you want to put down as a security deposit.
Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
After 9 months, we review your account for a credit line increase. No additional deposit required!
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.

Apply Now: Intro No Annual Fee with the secured Self Visa® Credit Card^
If you have an active Credit Builder Account, $100 or more in savings progress and satisfying income requirements you may be eligible to receive the secured Self Visa® Credit Card*, without a hard credit check. Criteria subject to change.
Build credit and savings at the same time.
Start with a Credit Builder Account* that reports monthly payments to all 3 major credit bureaus.
At the end of your plan, unlock the savings you built - minus interest and fees.
The secured Self Visa® Credit Card is accepted at millions of locations in the U.S.
Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC. See Self.inc for details. Subject to ID Verification. Individual borrowers must be a U.S. citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. The Secured Self Visa® Credit Card requires an active Self Credit Builder Account and qualification based on other eligibility criteria including income & expense requirements. Criteria subject to change.
^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.

Greater access to credit than before - $700 credit limit
Get a Mastercard accepted online, in store and in app
Account history is reported to the three major credit bureaus in the U.S.
$0 liability* for unauthorized use
Access your account online or from your mobile device 24/7
*Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.