OpenSky® Secured Visa® Credit Card

For People with
No Credit



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, 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.

Card Quick Facts

Card Quick Facts

  • Reports to all 3 major credit bureaus
  • No credit check to apply so there’s no impact on credit scores
  • Takes less than 5 minutes to complete the application
  • 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



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Card Details



This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $35
Additional Cards Annual Fee -
Regular Purchase APR 19.64% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit $200
Maximum Credit Limit $3,000
Free Credit Score No
Penalty APR None
Late Fee Up to $38
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 19.64% Variable
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
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.

  • 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 scores.

  • No Credit Check

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

  • $0 Fraud Liability Guarantee

    Cardholders are not held responsible for unauthorized purchases on this card.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 5 reviews
by n/a

Applied, sent deposit, never received the card. Checked back after few more business days (a total of 12) and was told my address was not enterred correctly (it was) so the card was returned to OpenSky. During this phone call i decide I want to go in another direction and want to close the account all together. The lady assures me the account is closed and that my deposit will be refunded to me in the form of a check in 4-6 weeks. A week later, I receiver a OpenSky credit card in the mail followed by an email saying my card is activated (i never activated the card). I immediately call to ask what's going on and reiterate that this account was closed, and was told there were no notes of a closed account on file. But that I reported it Lost/Stolen. The guy then proceeds to say the account will be closed and a return check for my deposit will be mailed in 2-3 weeks. I ask to speak to a supervisor, who also checks and says the account was never previously closed. Then says the deposit return check will actually be sent in 3-4 weeks. The next day, I check my credit report and see the OpenSky account was actually report closed on the initial date i called to close. I call back, get a guy who can now see that this WAS documented by the initial rep (2 people somehow missed this, including a supervisor). He assured me that this would be taken care of and a deposit return check would be sent in.....1-2 weeks (4 varying deposit return estimates from 4 different reps). I asked him why would this even be reported as an open account on my credit report if I closed it before a card was even successfully sent, he said "well we were going off of the information we had here". Needless to say, I plan on disputing even the mention of the company on my credit report. Unorganized, reaching a rep takes a ridiculous amount of work around the phone tree, reps all lack proper training. Don't trust, go with another credit building option from a credit union or more well known company. *Update* - still haven't received deposit refund, it's going on 3 months since the initial application.


Getting this card was one of the worst decisions i have made. Every time i try to make a payment it gets reversed and then i am charged a return check fee. I have tfyed mutipul payment types and none of them work unless its through an actual bank. I dont recommend this card at all.

by Sarah
I've never had any problems with this card

I am not sure exactly why other people tend to have difficulties with this card, but I have never had a single problem. I got this card because I had no credit and was getting ready to move out of my friend's place and decided to only got the $200 limit since I didn't really have much cash on hand. Right away my credit score was a 650 when the card was registered in my name and not even after a month it had already gone up to 685. I love the opensky app because it is simple to use. You can pay via a debit account you have or you can mail them checks (I've done both). I read another review saying it took them a few weeks to get their card, but it was only a few days before mine was shipped out. It WAS about a month before I got it, which turns out that mailman was returning it to the post office because he was afraid to send it knowing it was a cc (I had just started living there so maybe he didn't know if I'd get it.) Anyways, after a chat with the post office, I got my card. I spoke with a representative once on the phone about the card coming late and she was very helpful and friendly. If you have no credit, I recommend this card!

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.


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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