Is opensky® Secured Visa® Credit Card the right fit for you?
Last Updated: 03/23/2026
SuperMoney User Recommendation Score +31
Mostly recommended16 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
23.89%(Verified 03/23/2026)
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Balance Transfer APR (Variable APR)
23.89%(Verified 03/23/2026)
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Credit Score Range
300 - 700
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Annual Fee
$35
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Number of Reviews
opensky® Secured Visa® Credit Card Review
This is a secured credit rewards card issued by Capital Bank N.A.. If you're wondering whether opensky® 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.
- Earn up to 10% cash back on everyday purchases.
- Boost your credit score. 2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 23.89%
- 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® Secured Visa® Credit Card
| The Good | The Bad |
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opensky® Secured Visa® Credit Card FAQ
Does opensky® Secured Visa® Credit Card have a cash back or rewards program?
opensky® 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® Secured Visa® Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does opensky® Secured Visa® Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the opensky® Secured Visa® Credit Card benefits?
opensky® Secured Visa® Credit Card provides the following benefits:
- Reports to major credit bureaus
What are the relevant APRs for opensky® 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® Secured Visa® Credit Card has a variable purchase APR of 23.89%. The card has a variable balance transfer APR of 23.89% . It also has a variable cash advance APR of 23.89% .
Does opensky® 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® 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® Secured Visa® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 charges an annual fee of $35.
Does opensky® Secured Visa® Credit Card have a foreign transaction fee?
opensky® 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® Secured Visa® Credit Card?
The customer service number for opensky® Secured Visa® Credit Card is (855) 763-6736.
What is the support contact email for opensky® Secured Visa® Credit Card?
The support contact email for opensky® Secured Visa® Credit Card is info@capitalbankmd.com.
How do people rate the customer service and user experience of opensky® Secured Visa® Credit Card?
Overall, opensky® Secured Visa® Credit Card is mostly recommended based on community reviews that rate customer service and user experience.
Does opensky® Secured Visa® Credit Card report your account activity to credit bureaus?
Yes, opensky® 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® 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® Secured Visa® Credit Card
- Visit the website of opensky® 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® Secured Visa® Credit Card Disclosure: See Rates & Fees for more details.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Other Services by Capital Bank N.A.
Other Credit Cards from Capital Bank N.A.
Purchase APR
28.24%
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Balance Transfer APR
28.24%
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Credit Score Range
300 - 700
300
850
Annual Fee
$0
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +31, or 3.6 on a 5-point rating scale.
+31
-1000+100
No one recommends
Everyone recommends
opensky® Secured Visa® Credit Card Community Reviews
Would you recommend opensky® Secured Visa® Credit Card to your friends?
U
Anonymous
May 17, 2023
May or may not recommend
I opened this card back in May of 2022 with my credit score being in the 500s. By August it was at 670. Now coming on almost year with OpenSky my credit score is in the 700s. I am very pleased and can not wait to continue my Credit Journey.
Elisa H.
May 21, 2022
May or may not recommend
OpenSky has good advantages, It seems like a positive way to get back on the right track.
CR
Christine R.
May 7, 2022
May or may not recommend
I have this credit card and it is great to rebuild credit. The key is making sure not to keep a balance or you will get high interest tacked on. I think that the customer service is awesome! They gave me an extension twice when I lost my job due to Covid.
MM
Munib M.
Feb 6, 2022
May or may not recommend
Well, this is a brilliant card if you're someone without any credit history or low credit score. As a subprime card, you can expect a high APR. I've used it to pay to pay for a monthly subscription fee and steadily I've seen my score go up. It's not perfect but it helped me out.
LH
Lashane H.
Dec 3, 2021
May or may not recommend
I like the fact that OpenSky gives credit limit increases, but your account must be in good standing and you must request it. the process is simple through your online account. If approved, the funds are added to your security deposit.
Christopher C.
Oct 13, 2021
May or may not recommend
I got this credit card when my credit needed help building up and it really did the job. They report your on-time payments and it can really help build your score up after a little while. It didn't take long before they raised my limit and my credit score grew about 80 points in the first few months.
Matthew L.
Jun 10, 2021
May or may not recommend
I have 2 of these cards. They report monthly and have raised my score a ton.
CS
C S.
Dec 22, 2020
May or may not recommend
This was one of my first credit cards, and I regret it. There was no Supermoney when I was trying to get my first credit cards, so I couldn't really compare and find all the benefits to different cards on the market. I didn't do enough research and I signed up for the Open Sky card. You have to pay 300 dollars to get the card with a 600 dollar ...Show More
JB
Jake B.
Dec 1, 2020
May or may not recommend
This is my least favorite credit card that I have. I do not recommend this card for multiple reasons. I got this card as one of my first cards like some of the fellow super money users that reviewed this card. I got it when I had basically no credit history and I regret getting the card. I can't cancel it without hurting my credit, so I guess I am ...Show More
JA
Jacob A.
Nov 16, 2020
May or may not recommend
Open Sky has a few advantages, but for the most part I would not recommend this credit card. The card is advantageous in the fact that you don't need any credit history to get the OpenSky secured visa. I applied for and received the OpenSky card when I started to get my first credit cards and the experience has not been very great. I had a lot of difficulty ...Show More
EI
Eleanor I.
May 15, 2019
May or may not recommend
The only problem with this card is there is NO growth. There’s better options that are pre-paid cards which will actually give you a CC increase. I got 200$ from opensky and it’s been about a year with no change , and it’s my 200$ deposit. With another company (CO) I deposited 200$ and am at 1,500$ now a year later. I regret getting this card because now when I ...Show More
Christy P.
Feb 8, 2019
May or may not recommend
It sounds like a positive way to get back on the right track.
Veronica W.
Oct 9, 2018
May or may not recommend
Trying to rebuild my credit as I was a victim of fraud and it's very hard to do so even after filing I report where the Federal Trade commissioner . Thank you Veronica Wright
MA
Maritza A.
Sep 4, 2018
May or may not recommend
Well I do not , how the card work and I don't had the credit yet. How I can tell people how is work. I trying to applying first... thanks
MR
Mercedes R.
Jul 4, 2018
May or may not recommend
I would recommend this card to my friends and family
CG
Charlotte G.
Jun 30, 2018
May or may not recommend
I ant never had a credit card but I hope to get one I have heard this was the best card to get
Showing 16 of 16 reviews
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