Apply for OpenSky® Secured Visa® Credit Card
Apply now
for OpenSky® Secured Visa® Credit Card
at Capital Bank's secure site
Best for rebuilding or building credit score at a low APR
This card is a reasonable place to start building or rebuilding your credit, although there are secured cards with lower fees and better perks.
At a glance
no offer
no offer
None
21.89% (variable)
21.89% (variable)
$35
No credit check
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
At a glance
no offer
no offer
None
21.89% (variable)
21.89% (variable)
$35
No credit check
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
- Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Join over 1.2 million cardholders who’ve used OpenSky to build their credit
Apply now
for OpenSky® Secured Visa® Credit Card
at Capital Bank's secure site
Our Take
TPG Editor's Rating
Overview
This card has a relatively low APR for a secured card and a higher credit limit of up to $3,000 (matching your security deposit), and doesn’t require a credit check to get. But it also offers no rewards or bonuses, comes with a $35 annual fee and has no automatic path to an unsecured card.
Pros
- This secured card has lenient credit requirements that allow almost anyone to get approved, no matter their score. OpenSky Secured Visa claims that 99 percent of its users who had no credit built up a credit score within six months of using the card
Cons
- This card has a $35 annual fee, no rewards or welcome bonus and no path to an automatically upgraded unsecured card.
Who is this card good for?
This card is good for those with a poor credit history looking to get back on track.
Earning Rewards
None.