OpenSky® Secured Visa®

Secured card with flexible credit limit designed to build your score

Updated: May 01, 2022

Advertiser Disclosure

The OpenSky Secured Visa is a fantastic card that can help you rebuild your tarnished credit score. It reports to all three major credit bureaus and comes with a flexible credit limit. It's also based on the Visa platform, meaning it comes with all the standard Visa network benefits and perks. It supports mBanking and eBanking, and the application for the card is done online in a matter of minutes. As long as you need a nifty card that will be a fantastic tool in your credit rebuilding arsenal, you can make use of the OpenSky Secured Visa credit card.




17.64% Variable



234 User Ratings

OpenSky® Secured Visa®

at OpenSky's Secured website

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Introductory APR


Intro APR Period


Minimum Credit Score

Bad Credit OK

Key Features

  • 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
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • 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
  • 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
  • OpenSky Secured Card Review
  • *View the cardholder agreement

Our Take

The OpenSky Secured Visa Card is one of the most popular secured credit cards out there. It is issued by Capital Bank and comes with an intricate blend of features that make it a fantastic option for building your credit up, such as the no credit check policy. You’re almost guaranteed to get approved for this card. Aside from not triggering a hard inquiry into your credit history or any credit check policy whatsoever, you don’t even need a bank account. All you need to do is fulfill the minimal requirements mostly put in place by federal law. It’s a simple, slick, and very useful card that will help you get your credit score back on track, and then some.

Who Is this Secured Credit Card for?

The OpenSky Secured Credit Card is designed for people that have bad credit. It’s the ideal card for building your credit. The acceptance rates are so high that no matter your prior credit score, you’re very unlikely to get rejected. It’s a fantastic option if you’re looking for a good everyday card that will help you rebuild your credit score. You’ll need a credit repair strategy to accompany you with this card, but as long as you’re responsible for your payments, you should be fine.


  • 3 credit bureaus reporting
  • Fast online application
  • No hard inquiries
  • Low annual fee
  • Additional perks package
  • Accepted worldwide


  • Slow customer support
  • No bonus or rewards
  • Can not graduate

What are OpenSky Secured Card Benefits?

  • 3 credit bureaus reporting. The OpenSky reports all credit spending to all three major credit bureaus, meaning you can promptly repair your credit score. It also allows you to set your credit limit with your initial deposit.
  • Fast online application. A very appealing aspect of this card is the application process. It’s quick, it’s simple, and it’s online – you don’t have to visit a local branch near you to apply for this card, as you can do it from the comfort of your own home in mere minutes.
  • No hard inquiries. The OpenSky does not pull your credit when you pre-qualify so applying for it has no negative effect on your score.
  • Low annual fee. The OpenSky Secured card comes with a low annual fee, making it a fantastic option for those who aren’t in the best place financially.
  • Additional perks package. Aside from this, this card comes with auto rental insurance, zero liability against fraud, and all the standard VISA benefits.
  • Accepted worldwide. The OpenSky Visa is accepted everywhere across the world. As long as a merchant accepts Visa, they’ll accept your OpenSky credit card without any issues. However, keep in mind that it has an international transaction fee.

Are there Any Disadvantages?

Nothing good in life comes without its fair share of bad, and neither does the OpenSky Secured Visa.

  • Slow customer support. The first thing to note is the slow customer service that can only be reached via snail-mail.
  • No bonus or rewards. Cardholders will not receive rewards or bonuses for using this card. It’s solely designed to build credit not to get rewards for purchases.
  • Can not graduate. You can’t upgrade it to an unsecured card. You’ll have to close the account and open a new one if you want an unsecured card, which could wind up hurting your credit score in the long run.

Should You Use the OpenSky Card?

Having a card like this in your credit fix arsenal is virtually mandatory if you want to ensure you’re doing the best job possible at the fastest possible rate. It can be a fantastic choice for a credit repair credit card as its fees are tolerable, its acceptance rates are sky high, and its flexibility makes it ideal for most consumers. It’s a card built around your unique needs, meaning that you can set your own credit limit and use it the way you want. The only important thing to remember is to use the card if you want to avoid the inactivity fee. If you’re over the legal age, have the necessary documentation, and need a card to help you rebuild your credit, the OpenSky Secured credit card is the right option for you.

Best OpenSky Credit Card Alternatives

Frequently Asked Questions

If you want to improve your credit score as fast as possible, make a substantial initial deposit. A bigger deposit will give you a larger credit limit and a healthy boost to your credit score.
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Basic Information
Issuer: Other Issuers
Network: VISA®
Category: Consumer (Secured)
Review: Full Card Review
Best Used For:
  • Cards for Bad Credit
  • Guaranteed Approval
  • Building Credit
  • Damaged Credit
  • No Credit Check
Rewards: No
Rates & Fees
Regular APR: 17.64%
Regular APR Type: Variable
Annual Fee: $35
Balance Transfer: No
APR on Cash Advances: 17.64%
Grace Period: 25 days
Late Payment Fee: Up to $38
Other Fees:
  • Returned Payment Fee: $25.00
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Cash Advance: Either $6 or 5% of the amount of each cash advance, whichever is greater

OpenSky® Secured Visa® Alternatives

OpenSky® Secured Visa®

OpenSky® Secured Visa®


Annual Fee


Regular APR


Intro APR


Min. Credit Level

Bad Credit OK

*The information provided for OpenSky® Secured Visa® is believed to be accurate at the time of evaluation or recent update on May 01, 2022. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

OpenSky® Secured Visa®

Reviews - (1 User Reviews)
Share your experience and rate the OpenSky® Secured Visa®
September 12, 2021
Liam (46-55) - Cardholder
Income on Application
Credit Score
Fair (580-669)
Credit Limit
Filed for Bankruptcy

Ideal card for rebuilding credit

Having bad credit scores was really hard on me and I had a hard time getting myself out of financial troubles. This card helped me raise my scores by 200 points in two years, and I love that I can use eBanking to pay all my bills. I applied for the card online and got it in a week. The costs and fees are acceptable, but the best part is that my credit scores today look much better than they did a few years ago.
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OpenSky® Secured Visa®

OpenSky® Secured Visa®

Min. Credit Required: Bad Credit OK

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