OpenSky® Secured Visa®
Secured card with flexible credit limit designed to build your score
Updated: May 29, 2025
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.
ANNUAL FEE
$35
ONGOING APR
24.64% Variable
INTRO APR
N/A
at OpenSky's Secured website
Apply NowIntroductory APR
N/A
Intro APR Period
N/A
Recommended Credit Score
No Credit
Key Features
- Earn up to 10% cash back on everyday purchases
- No credit check required - 89% approval rate with zero credit risk to apply!
- Boost your credit score fast-2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments-add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with just $200-secure your credit line with a refundable deposit
- Fast and easy application-apply in minutes with our mobile-first experience
- Flexible payment options-pick a due date that works for you
- More time to fund-spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
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.
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.
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.
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 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
- Applied Bank Secured Visa Gold
- PCB Secured Visa
- Chime Secured Credit Card
- Upgrade Triple Cash Rewards
- First Progress Select Secured
Frequently Asked Questions
| Issuer: | Other Issuers |
|---|---|
| Network: | VISA® |
| Category: | Consumer (Secured) |
| Review: | Full Card Review |
| Best Used For: |
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| Rewards: | Yes |
| Reward Types: |
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| Reward Units: | Cash |
| Regular APR: | 24.64% |
|---|---|
| Regular APR Type: | Variable |
| Annual Fee: | $35 |
| Balance Transfer: | No |
| APR on Cash Advances: | 24.64% |
| Grace Period: | 25 days |
| Other Fees: |
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OpenSky® Secured Visa® Alternatives
OpenSky® Secured Visa® |
| APPLY NOW |
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Annual Fee $35 |
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Regular APR 24.64% |
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Intro APR N/A |
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Rec. Credit Score No Credit |
IMPORTANT
*The information provided for OpenSky® Secured Visa® is believed to be accurate at the time of evaluation or recent update on May 29, 2025. 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 - (3 User Reviews)
October 22, 2022
Joanna
(56-65) - Previous Cardholder
Income on Application
$23000
Credit Score
Don't know
Credit Limit
$250
Filed for Bankruptcy
No
Easy to get approved
I love this card because it has an acceptance rate of 99.9%, making it a good option if you're looking to build your credit. This card is perfect for people with bad credit, which is exactly what I was looking for. I love that I can use it anywhere, plus the customer service is always available to help me. This card is a great option and I would highly recommend it to people who are looking for a card with a high acceptance rate
Fees & Charges:
4/5
Features & Benefits:
5/5
Customer Support:
4/5
Application Process:
5/5
September 7, 2022
Kate
(36-45) - Cardholder
Income on Application
$31000
Credit Score
Needs Work (300-579)
Credit Limit
$300
Filed for Bankruptcy
No
Wow, very happy
I decided to start building my credit and went with the OpenSky Visa. The card provides a low APR while building my credit so that I could eventually transition to a better card. The card is very easy to use and I am happy that I was able to build my credit without going through the hassle of applying for a new card. The acceptance rates are so high that I didn't have to worry about getting rejected by lenders.
Fees & Charges:
3/5
Features & Benefits:
5/5
Customer Support:
4/5
Application Process:
5/5
September 12, 2021
Liam
(46-55) - Cardholder
Income on Application
$38120
Credit Score
Fair (580-669)
Credit Limit
$1000
Filed for Bankruptcy
No
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.
Fees & Charges:
5/5
Features & Benefits:
5/5
Customer Support:
5/5
Application Process:
5/5
OpenSky® Secured Visa®
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