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OpenSky® Secured Visa® Credit Card

No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.

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 necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
    Intro APR on Purchases:
    Regular APR:
    17.39% (variable)
    Minimum Grace Period:
    25 days
    Intro APR on Balance Transfers:
    Regular APR:
    Balance Transfer Fee:
    Intro APR on Cash Advances:
    Regular APR:
    17.39% (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.