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OpenSky® Secured Visa® Credit Card

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Our rating
Credit range: No Credit
Annual Fee: $35
Regular APR: 19.14% Variable
Intro Balance Transfer APR: 0%

OpenSky® Secured Visa® Credit Card

Our rating
No Credit Credit range
$35 Annual Fee
Apply Now

Highlights & Features

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0%
Regular Balance Transfer APR None
Balance Transfer Fee See Terms

Fees

Penalty APR None
Late Fee Up to $38
Returned Payment Fee Up to $25
Additional Cards Annual Fee None
Foreign Transaction Fee 3%

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR: 19.14% Variable
  • Cash Advance Fee: $6 or 5% of the amount of each Cash Advance; whichever is greater.
ABOUT THE ISSUER

Capital Bank

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-859-6412 or

Try a different phone number
OpenSky® Secured Visa® Credit Card

Highlights

  • 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.

The OpenSky® Secured Visa® Credit Card is a secured credit card from Capital Bank that you can use to help rebuild your credit. Your credit limit is determined by the security deposit you provide. Credit lines range from $200–$3,000.

This card reports to all three major credit bureaus — Equifax, Experian and TransUnion — every month, which can help improve your credit scores (as long as you use it responsibly).

The OpenSky Secured Visa comes with certain Visa benefits, and has a $35 annual fee.