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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  • Annual fee

    $35

  • Intro APR

    N/A*

  • Ongoing APR

    17.39% Variable

  • Ongoing Balance Transfer APR

    N/A*

Card details:
  • No credit check to apply and find out instantly if you are approved
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable*** deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • ***View the cardholder agreement
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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