SuperMoney 

OpenSky Secured Visa Credit Card

in Personal Credit Cards from Capital Bank

Claimed Visit Site

OpenSky Secured Visa Credit Card

Claimed

in Personal Credit Cards from Capital Bank

SuperMoney Net Recommendation Score +17% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Mostly recommended

2 users recommend
3 users are unsure
1 user doesn't recommend
Cast your vote
Cast your vote

Would you recommend OpenSky Secured Visa Credit Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Community Rating Mostly recommended
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 700
Annual Fee $35
Purchase APR  (Variable APR) 18.89%
Number of Reviews 6

OpenSky Secured Visa Credit Card Review

OpenSky Secured Visa Credit Card is a secured credit card credit card issued by Capital Bank. If you're wondering whether OpenSky Secured Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 18.89%
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Poor credit. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
The Good The Bad
  • Considers applicants with fair or poor credit.
  • OpenSky Secured Visa Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of up to $35.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.

Is there a OpenSky Secured Visa Credit Card cash back or rewards program?

No, OpenSky Secured Visa Credit Card does not offer a rewards program.

What are the OpenSky Secured Visa Credit Card benefits?

OpenSky Secured Visa Credit Card provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for OpenSky Secured Visa Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. OpenSky Secured Visa Credit Card has higher than average purchase APRs.

OpenSky Secured Visa Credit Card has a variable purchase APR of 18.89%. It also has a variable cash advance APR of 18.89% .

Does OpenSky Secured Visa Credit Card have an introductory APR offer on balance transfers??

No, OpenSky Secured Visa Credit Card does not come with an introductory APR offer for balance transfers.

Does OpenSky Secured Visa Credit Card have an introductory APR offer on new purchases??

OpenSky Secured Visa Credit Card does not offer an introductory rate on new purchases.

What are the OpenSky Secured Visa Credit Card fees?

The following fees apply to OpenSky Secured Visa Credit Card:

  • There is no overlimit fee
OpenSky Secured Visa Credit Card Fees
Fees Amount
Annual Fee up to $35
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $25
Late Payment Fee $38

Does OpenSky Secured Visa Credit Card have a foreign transaction fee?

OpenSky Secured Visa Credit Card charges a foreign transaction fee of 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 a foreign transaction fee.

Does OpenSky Secured Visa Credit Card report your account activity to credit bureaus?

OpenSky Secured Visa Credit Card reports your account activity to the following credit reporting agencies:

  • 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 can help improve your credit score.

How to apply for OpenSky Secured Visa Credit Card

  • Visit the OpenSky Secured Visa Credit Card website.
  • 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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: {{business_name}}
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...

Contact

Message from Capital Bank

Build better credit NOW for more possibilities TOMORROW. OpenSky® can help you get — and stay — on the road to better credit.

About OpenSky Secured Visa Credit Card

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Paper Statement Fee $0
Foreign Currency Transaction Fee 3%
Annual Fee $35
Minimum Interest Charge $1
Returned Payment Fee $25
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 700
Card Type
  • Bad Credit
  • Secured
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits Fraud Liability
Rewards Type No Rewards
Security Deposit $200 - $3,000
Cash Advance APR (Variable APR) 18.89%
Balance Computation average daily balance (including new purchases)
Credit Limit $0
Purchase APR (Variable APR) 18.89%

OpenSky Secured Visa Credit Card Community Reviews

 

Would you recommend OpenSky Secured Visa Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards

Merrick Bank Double Your Line™ Platinum Visa® Credit Card
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

3 Reviews

Deserve Edu Mastercard for Students
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

1 Reviews