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OpenSky® Secured Visa Credit Card® card

OpenSky® Secured Visa Credit Card®: Boost Your Credit with No Credit Check

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

    Annual fee
    $35
    Recommended credit
    Poor / No Credit Required
    Card network
    Visa
    Regular purchase APR
    25.14% (variable)
    Apply Now for OpenSky® Secured Visa Credit Card® (opens in a new tab)Compare this card
    Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

    At a glance

    The OpenSky® Secured Visa® is a secured credit card that offers requires a low minimum deposit and features no credit checks for approval. The card, issued by Capital Bank, provides an easy route to better credit by offering credit limits as low as $200, a moderate fixed-rate APR, and a reasonable $35 annual fee.

    Our review of the OpenSky® Secured Visa Credit Card®

    As a credit card expert, I have extensive knowledge and experience in the world of credit cards. Whether you are looking to compare different credit card options, maximize rewards, or improve your credit score, I can provide expert advice and guidance. Trust me to help you navigate the complex world of credit cards and make informed decisions that will benefit your financial health.

    Card features

    Benefits as listed on the original card page. They can change; confirm details with the issuer.

    • New feature! Earn up to 10% cash back on everyday purchases
    • No credit check to apply. Zero credit risk to apply!
    • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
    • Get free monthly access to your FICO score in our mobile application
    • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
    • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
    • Fund your card with a low $200 refundable security deposit to get a $200 credit line
    • Apply in less than 5 minutes with our mobile first application
    • Choose the due date that fits your schedule with flexible payment dates
    • Fund your security deposit over 60 days with the option to make partial payments
    • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
    • *See Rewards Terms and Conditions for more information

    Who this card may suit

    • You're struggling to get accepted for other secured credit cards
    • You don’t have a credit history
    • You have bad credit and want to improve your credit score
    • You have a large deposit and want a quick pick-me-up for their credit score
    • You want access to a useful knowledge base of credit information and resources

    Rates, fees and terms

    Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
    Annual Fee$35
    Regular Purchase APR25.14% (variable)
    Cash Advance APR25.14% (variable)
    Cash Advance Transaction FeeEither $6 or 5% of the amount of each cash advance, whichever is greater.
    Foreign Transaction Fee3% of each transaction in U.S. dollars
    Late Payment Penalty FeeUp to $40
    Return Payment Penalty FeeUp to $25
    Minimum Deposit Required$200

    Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Poor Credit Limited or No Credit.

    Apply Now for OpenSky® Secured Visa Credit Card® (opens in a new tab)View issuer terms for OpenSky® Secured Visa Credit Card® (opens in a new tab)

    OpenSky® Secured Visa Credit Card®

    Apply Now for OpenSky® Secured Visa Credit Card® (opens in a new tab)

    You will leave this site for the issuer’s page. Confirm current terms there.

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