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OpenSky® Plus Secured Visa® Credit Card
OpenSky® Plus Secured Visa® Credit Card Review
The OpenSky® Plus Secured Visa® Credit Card is a practical choice for those looking to improve their credit score.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
OpenSky® Plus Secured Visa® Credit Card
Apply Now
Apply Now
on Capital Bank N.A.'s secure site
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OpenSky® Plus Secured Visa® Credit Card
SIGN-UP BONUS
N/A
REWARDS RATE
Up to 10% cash back rewards
Rebuild Credit
2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
Security Deposit
Spread your security deposit over 60 days with layaway
Flexible Due Dates
Pick a due date that works for you
Annual Fee
$0
Card Brand
Visa®
Recommended Credit Score
Limited / Poor / FairHighlights
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- 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 as little as $300 – Secure your line with a refundable security 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!
Additional Info
Foreign Transaction Fee
See terms
Balance Transfer Fee
N/A
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on May 20, 2025
We don't have a review for this card yet, but sit tight! There's one coming soon.
The Good
- The OpenSky® Plus Secured Visa® Credit Card stands out for its accessibility to consumers with poor or no credit history, offering them a chance to build or rebuild their credit through responsible use without requiring a credit check. Furthermore, it reports to all three major credit bureaus, which can aid in rapidly improving credit scores when managed wisely.
The Not So Good
- Despite its benefits for credit building, the OpenSky® Plus Secured Visa® Credit Card requires a refundable security deposit, which could be a financial hurdle for some applicants.
The Bottom Line
The OpenSky® Plus Secured Visa® Credit Card is a practical choice for those looking to improve their credit score.
Editorial Note: This content is not provided by Capital Bank N.A.. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital Bank N.A..
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Minimum Deposit
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Regular Purchase APR
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Rewards Rate
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Credit Line
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Regular Purchase APR
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Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
APRs
10.99% Intro APR for 6 months on balance transfers, then 27.24% Variable APR
Rates and Fees
No annual fee, no late fee on your first late payment. No penalty APR.*
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