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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.
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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 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.
The Good
- There is no credit check necessary, plus the low annual fee and the potential for a high credit line make this a great choice if you're looking for a 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 with responsible use, it could help build 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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