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OpenSky® Secured Visa® Credit Card

No credit check to apply and find out instantly if you are approved.

Credit Recommended:

Bad / No

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    CARD TYPE: Secured

    Secured credit cards require a secured deposit on a bank account. These cards are intended for people with limited credit history.

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    WHO CAN GET IT: Consumer

    These credit cards are for the average consumer who needs a credit card for personal use.

  • 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
  • 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
    Intro APR on Purchases:
    Regular APR:
    21.64% (variable)
    Minimum Grace Period:
    25 days
    Intro APR on Balance Transfers:
    Regular APR:
    Balance Transfer Fee:
    Intro APR on Cash Advances:
    Regular APR:
    21.64% (variable)
  • FEES
    Annual Fee:
    Application Processing Fee:
    See Terms
OpenSky® Secured Visa® Credit Card

Questions & Answers about the card:

If I get Open Sky secured credit card, will I build my credit?

Yes. The OpenSky secured card is reported to the three major credit bureaus monthly. Therefore, making your monthly credit card payments on time can help build your credit history. Skipped or missed credit card payments are also reported, so try to avoid being late. Late payments can easily damage your credit score.

Will I get my security deposit back? And how do I get it back?

The credit card issuer will refund your security deposit after you close your credit card account and pay off the card balance in full. To get you deposit back, you should contact the credit card issuer and request a refund.

What happens if I use my entire credit limit?

If you charge your credit card up to the available credit limit, you should pay off all or a part of the balance before you can continue using your credit card and to avoid possible penalty fees. If you fail to make timely monthly payments, then your card will be considered overdue, which will be reported to the credit bureaus and will lower your credit score. If you are unable to pay off your card balance, you should contact customer service at the number shown on the back of your card.

Will I be able to upgrade my secured credit card to unsecured?

Currently the OpenSky secured credit card cannot be updated to an unsecured account. Capital Bank does not offer unsecured credit cards for consumers. You can keep your secured card as an oldest credit account to continue building a good credit history.