OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card

on Capital Bank's website

OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card

on Capital Bank's website

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Card details

  • 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

Rates, fees & offers

  • Annual fee

    $35

  • Rewards rate

    N/A

  • Bonus offer

    None

  • Intro APR

    N/A

  • Ongoing APR

    APR: 17.39% Variable APR

    Cash Advance APR: 17.39%, Variable

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$35

Annual Fee

$0

Annual Fee

$0

Regular APR

17.39% Variable APR

Regular APR

14.99% - 23.74% Variable APR

Regular APR

14.99% - 23.74% Variable APR

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 15 months

Intro APR

0% intro APR on Purchases for 15 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Virginia C. McGuire

Rating details

4.6

Editor's overall rating

Pros and cons

Pros
  • No credit check required

  • Doesn't require a bank account

  • Reports to the three major credit bureaus

Cons
  • Has annual fee

  • High ongoing APR

  • Requires $200 mininum deposit

There are other secured credit cards with lower annual fees, higher credit limits, and smaller minimum deposits. But the OpenSky® Secured Visa® Credit Card has two major benefits that set it apart: There is no credit check for applicants, and you do not need a bank account.

This means the card is accessible to people with extremely low credit scores, people with no credit history at all, and people who don't have access to a bank account. The only catch is that your monthly income must be higher than your monthly expenses. As long as you meet that requirement, approval is very likely.

For more information, read our full review of this card.