OpenSky® Secured Visa® Credit Card
on Capital Bank's website
OpenSky® Secured Visa® Credit Card
Card details
No credit check to apply and find out instantly if you are approved.
OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
Easy application, apply in less than 5 minutes right from your mobile device.
Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
*View the cardholder agreement
Rates, fees & offers
Annual fee
$35
Rewards rate
N/A
Bonus offer
NEW! For a limited time only, apply and open a new OpenSky account to receive an automatic $50 unsecured credit line increase after 3 on-time payments; up to $200 in your first year—no additional deposit required. Click “apply now” to see additional terms.
Intro APR
N/A
Ongoing APR
APR: 21.64% Variable APR
Cash Advance APR: 21.64%, Variable
Foreign transaction fee
3%
Recommended credit score
Compare to other cards
Annual fee$35 | Annual fee$0 | Annual fee$0 |
Regular APR21.64% Variable APR | Regular APR16.24%-26.24% Variable APR | |
Intro APRN/A | Intro APR0% intro APR on purchases for 12 months from the date of account opening | Intro APR0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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Rating details
4.3
Editor's overall rating
Pros and cons
Pros
Qualify with limited/bad credit
Cons
Has annual fee
Requires minimum deposit
No rewards
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.
