The OpenSky® Secured Visa® Credit Card

Capital Bank N.A. is an Experian Partner

The OpenSky® Secured Visa® Credit Card Apply Now

Recommended FICO® ScoreΘ Rating

Poor, New to Credit, Rebuilding

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  • Rewards

    N/A*

  • Annual fee

    $35

  • Intro APR

    N/A*

  • Ongoing APR

    17.39% Variable

  • Balance transfer

    N/A*

Card details:
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable*** deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page (search “OpenSky Card” in Facebook).
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way
  • ***View our Cardholder Agreement located at the bottom of the application page for details of the card
Rates and fees
Pros:
  • No credit check required
  • Refundable security deposit
Cons:
  • Annual fee

Experian Review:

The OpenSky® Secured Visa® Credit Card: Good for Rebuilding Credit

The OpenSky® Secured Visa® Credit Card can help you build or rebuild credit, and it doesn’t require a credit check or bank account. Learn more.

Read full review

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

ΘCredit score is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

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