The OpenSky® Secured Visa® Credit Card

Capital Bank N.A. is an Experian Partner

Rated 4.21 out of 5 stars, 300 Reviews. Read all offer reviews.
The OpenSky® Secured Visa® Credit Card

Recommended FICO® ScoreΘ Rating

Poor, New to Credit, Rebuilding

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  • Annual fee

    $35

  • Intro APR

    N/A*

  • Ongoing APR

    22.14% Variable

  • Ongoing Balance Transfer APR

    N/A*

Card details:
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
  • Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Join over 1.2 million cardholders who’ve used OpenSky to build their credit
Rates and fees
See all Capital Bank N.A. offers
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.

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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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