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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.
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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
2/3 of cardholders increase their credit score by an average of 41 points in just 3 months
Security Deposit
Make smaller partial payments towards funding your security deposit over 60 days
Flexible Due Dates
Choose any available due date that fits your payment schedule
Annual Fee
$0
Card Brand
Visa®
Recommended Credit Score
Limited / PoorHighlights
- New feature! Earn up to 10% cash back* on everyday purchases
- No annual fee
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Secure your credit line with a refundable security deposit - as low as $300.
- Easy application, apply in less than 5 minutes right from your mobile device
- Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- *See Rewards Terms and Conditions for more information
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 Mar 12, 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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Apply Now
on Capital One's secure site
Rewards Rate
1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Credit Line
Put down a refundable $200 security deposit to get a $200 initial credit line.
Regular Purchase APR
29.74% (Variable)
See Our Review
Apply Now
on Merrick Bank's secure site
Credit Line
Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
Fraud Liability
$0 fraud liability for unauthorized charges.
Worldwide Acceptance
Use it anywhere Mastercard is accepted.
See Our Review
Apply Now
on Capital One's secure site
Reports to Credit Bureaus
Build Credit When Used Responsibly
Minimum Deposit
$49, $99, or $200
Regular Purchase APR
29.74% (Variable)
See Our Review