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OpenSky® Secured Visa® Credit Card
OpenSky® Secured Visa® Credit Card Review
This secured card is right in the middle in terms of rates and fees. The annual fee is pretty low compared to similar credit cards.
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® Secured Visa® Credit Card
Apply Now
Apply Now
on Capital Bank N.A.'s secure site
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OpenSky® Secured Visa® Credit Card
SIGN-UP BONUS
N/A
REWARDS RATE
Up to 10% cash back rewards
Purchase APR
24.64% (variable)
Build Credit
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Flexible Due Date
Pick a due date that works for you
Annual Fee
$35
Card Brand
Visa®
Recommended Credit Score
Limited / Poor / FairHighlights
- 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!
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
A secured card is a great option for those who are looking to improve their credit, but can’t get approved for a traditional unsecured credit card, or, for those who wish to have a higher credit line that other issuers simply can’t give them. The OpenSky® Secured Visa® Credit Card allows their card holders to start building their credit, with the minimum credit line being $200. They do report to credit bureaus, ensuring that you'll be able to build credit with responsible use.
The online application is quick and easy and applicants do not need to have a checking account to get approved. Fees that are attached with this card are pretty typical with the APR at 24.64% (variable) and an annual fee of $35.
The terms and conditions of the card state penalty fees of Up to $41 . A deposit is required at the time of application since approvals are instant and no checking account is required. This card will work anywhere Visa is accepted.
The Good
- There is no credit check necessary and you don't need a checking account either. A low annual fee and the potential for a high credit line makes this a great choice if you're looking for a solid secured credit card.
The Not So Good
- While this card does earn rewards, it does not come with many other bells and whistles. A secured card may not be your top choice, but it’s essential to building your credit.
The Bottom Line
This secured card is right in the middle in terms of rates and fees. The annual fee is pretty low compared to similar credit cards.
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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Credit Line
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Regular Purchase APR
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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.
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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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