OpenSky Secured Visa Credit Card Review

OpenSky Secured Visa Credit Card is a secured credit card credit card issued by Capital Bank. 

Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.

Good for building credit. This card is designed to help you build your credit. So you may qualify even if you have limited or poor credit. The minimum credit score to apply is 300.

Credit limit. This card has a credit limit of up to $3000.

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.

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.

OpenSky Secured Visa Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the OpenSky Secured Visa Credit Card benefits?

OpenSky Secured Visa Credit Card provides the following benefits:

• Fraud Liability
• Reports to major credit bureaus

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

OpenSky Secured Visa Credit Card has a variable purchase APR of 19.64%.

It also has a variable cash advance APR of 19.64% .

What are the OpenSky Secured Visa Credit Card fees?

$35 Annual Fee. OpenSky Secured Visa Credit Card charges an annual fee of $35.

3% Foreign transaction fees. 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.

The following fees apply to OpenSky Secured Visa Credit Card:

OpenSky Secured Visa Credit Card Fees

Fees	Amount
Annual Fee	$35
Overlimit Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	$25
Late Payment Fee	$38

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for OpenSky Secured Visa Credit Card

• Visit the Capital Bank website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• 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.