OpenSky® Secured Visa® Credit Card


For People with
No Credit

REVIEWS

Reviews

The Open Sky 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 to help you 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.

Card Quick Facts

Card Quick Facts

  • Reports to 3 Major Credit Bureaus
  • No Credit Check to apply so there’s no impact on credit scores
  • Credit limit is defined by your refundable deposit, as low as $200 and up to $3,000
  • Fraud protection, worldwide acceptance and other Visa® credit card benefits

For People with
No Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $35
Additional Cards Annual Fee -
Regular Purchase APR 19.39% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit $200
Maximum Credit Limit $3000
Free Credit Score No
Penalty APR None
Late Fee Up to $27
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 19.39% Variable
Cash Advance Fee 5%, $6 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • This card comes with Visa Benefits.

    You will be provided with a list of benefits available to you once you get approved for your card.

  • Reports to 3 Major Credit Card Bureaus

    Equifax®, Experian® and TransUnion® are all sent monthly reports so you can quickly improve your credit score.

  • No credit Check

    There is no credit check when applying, so your score won’t be affected if you decide to apply

Visitor Reviews

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Average rating:  
 2 reviews
by Anonymous
Will be one of your biggest financial regrets

You will have to call this card company at least twice a month for issues and each time you will be on hold at least an hour. The actual card is an actual secured card but it will give you more problems than you can imagine. It also takes at least a week for them to transfer and post your payment. If you make a payment less than 6 days before it’s due, you will need to give them a $9.99 fee.

by DANNY
HORRIBLE

DO NOT GET THIS CARD! The only reason I chose THIS card is becasue they tell you that you do not need a bank account. I tried to make a payment and now they tell me I need a bank account. Then when I asked to cancel the card because I DON'T have a bank account they tell tha tthe balence must be at 0. So instead of them keeping the money I already paid them they want me to pay them again only to refund me money which can take up to TWO MONTHS. HORRIBLE CUSTOMER SERVICE. No response when my card took two weeks to get to me after multiple attempts in reaching them either. SAVE YOURSELF A WASTE OF YOUR TIME AND MONEY.

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