Last Updated: 03/23/2026
opensky® Plus Secured Visa® Credit Card
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in Credit Cards from Capital Bank N.A.
Last Updated: 03/23/2026
SuperMoney User Recommendation Score +67
Strongly recommended6 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
28.24%(Verified 03/23/2026)
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Balance Transfer APR (Variable APR)
28.24%(Verified 03/23/2026)
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Credit Score Range
300 - 700
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Annual Fee
$0
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Number of Reviews
opensky® Plus Secured Visa® Credit Card Review
This is a secured credit rewards card issued by Capital Bank N.A.. If you're wondering whether opensky® Plus Secured Visa® Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 10x.
- More time to fund. Spread your security deposit over 60 days with layaway
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 28.24%
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of opensky® Plus Secured Visa® Credit Card
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opensky® Plus Secured Visa® Credit Card FAQ
Does opensky® Plus Secured Visa® Credit Card have a cash back or rewards program?
opensky® Plus Secured Visa® Credit Card is a rewards card. This card features rewards for purchases in the following categories:
- In-Store Eligible Purchases
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| In-Store Eligible Purchases | Up to 10 % cash back (Up to 10% cash back rewards on purchases at over 40,000 retailers) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does opensky® Plus Secured Visa® Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does opensky® Plus Secured Visa® Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the opensky® Plus Secured Visa® Credit Card benefits?
opensky® Plus Secured Visa® Credit Card provides the following benefits:
- Reports to major credit bureaus
What are the relevant APRs for opensky® Plus Secured Visa® Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Opensky® Plus Secured Visa® Credit Card has a variable purchase APR of 28.24%. The card has a variable balance transfer APR of 28.24% . It also has a variable cash advance APR of 28.24% .
Does opensky® Plus Secured Visa® Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does opensky® Plus Secured Visa® Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for opensky® Plus Secured Visa® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does opensky® Plus Secured Visa® Credit Card have a foreign transaction fee?
opensky® Plus Secured Visa® Credit Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for opensky® Plus Secured Visa® Credit Card?
The customer service number for opensky® Plus Secured Visa® Credit Card is (855) 763-6736.
What is the support contact email for opensky® Plus Secured Visa® Credit Card?
The support contact email for opensky® Plus Secured Visa® Credit Card is info@capitalbankmd.com.
What is the login page for opensky® Plus Secured Visa® Credit Card?
You can access the login page of opensky® Plus Secured Visa® Credit Card here.
How do people rate the customer service and user experience of opensky® Plus Secured Visa® Credit Card?
Overall, opensky® Plus Secured Visa® Credit Card is strongly recommended based on community reviews that rate customer service and user experience.
Does opensky® Plus Secured Visa® Credit Card report your account activity to credit bureaus?
Yes, opensky® Plus Secured Visa® Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Capital Bank N.A. perform a hard credit pull?
Yes, opensky® Plus Secured Visa® Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for opensky® Plus Secured Visa® Credit Card
- Visit the website of opensky® Plus Secured Visa® Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
opensky® Plus Secured Visa® Credit Card Disclosure: See Rates & Fees for more details.
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