The Ultimate Guide to Credit Cards
Wednesday, May 31, 2023

OpenSky® Secured Visa® Credit Card Review

"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





  • 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
22.14% (variable)

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

Bad Credit
(Ranked #25 out of 33)
Best Overall
(Ranked #29 out of 39)
No/Limited Credit
(Ranked #27 out of 33)
(Ranked #5 out of 20)

Advertiser Disclosure is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across (including, for example, the order in which they appear). does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

Alternatives to OpenSky® Secured Visa® Credit Card

Be sure to visit the official website for OpenSky® Secured Visa® Credit Card to learn complete details about its features and terms. If you’re not quite sure if OpenSky® Secured Visa® Credit Card is right for you, we encourage you to check out these guides to popular alternatives:

Before applying for the OpenSky® Secured Visa® Credit Card offer or any other offer, be sure you understand all fees, interest rates, and terms so you can make the best decision for your own financial goals.