The Ultimate Guide to Credit Cards
Friday, October 7, 2022

OpenSky® Secured Visa® Credit Card

► 2022 Review, Application & Rates

"This is a secured card, which requires that you deposit money to secure a credit line. While it offers a low minimum ($200), its APR is a bit high."
- Toby Sembower,
Advertiser Disclosure
OpenSky® Secured Visa® Credit Card Review

at Capital Bank N.A.'ssecure website

BEST OVERALL RATING

★★★

3.2

OVERALL RATING

  • 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 (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.64% (variable)
$35
Poor

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

Bad Credit
(Ranked #28 out of 37)
★★★★
4.2
Best Overall
★★★
3.2
Low APR
(Ranked #28 out of 38)
★★★★
4.3
No/Limited Credit
(Ranked #30 out of 36)
★★★★
4.0
Secured
(Ranked #6 out of 20)
★★★★★
4.5

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