- 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
- Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
The OpenSky® Secured Visa® Credit Card
Capital Bank N.A. is an Experian Partner
Recommended FICO® ScoreΘ
Poor, New to Credit, Rebuilding
Annual Fee: | $35 |
|---|---|
Intro APR: | N/A* |
Ongoing APR: | 24.64% Variable |
Ongoing Balance Transfer APR: | N/A* |
Review Snapshot
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ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.