Rated 3.5/5.0 stars by our editorial team
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3.5/5.0 from 0 Offer Ratings
Over the Past 60 Days!
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.
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on Capital Bank N.A.'s secure site
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
See terms
N/A
From the LendingTree editorial team, updated on May 21, 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. The OpenSky® Secured Visa® Credit Card allows the card holders to start building their credit, with the minimum credit line being $200. This card does report to all three major credit bureaus.
The fees are pretty typical and you can expect 24.64% (variable) APR 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.
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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..