SuperMoney

OpenSky® Secured Visa® Credit Card

in Personal Credit Cards from Capital Bank N.A.

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OpenSky® Secured Visa® Credit Card

Claimed

in Personal Credit Cards from Capital Bank N.A.

SuperMoney Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

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

3 users recommend
4 users are unsure
3 users don't recommend
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Highlights
Community Rating Mostly recommended
Purchase APR  (Variable APR) 17.39%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 700
Annual Fee $35
Number of Reviews 10

OpenSky® Secured Visa® Credit Card Review

This is a secured credit card credit card issued by Capital Bank N.A.. If you're wondering whether OpenSky credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 17.39%
  • 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 accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of OpenSky credit card
The Good The Bad
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • Credit history not required.
  • 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 $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 benefits.
OpenSky credit card FAQ

Does OpenSky credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the OpenSky credit card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for OpenSky credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR of 17.39%. It also has a variable cash advance APR of 17.39% .

Does OpenSky 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 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 credit card?

The following fees apply:

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

Does OpenSky credit card have a foreign transaction fee?

OpenSky 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 foreign transaction fees.

What is the customer service phone number for OpenSky credit card?

The OpenSky credit card customer service number is (855) 763-6736.

How do people rate the customer service and user experience of OpenSky credit card?

Overall, OpenSky 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 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 may help improve your credit.

How to apply for OpenSky credit card

  • Visit the OpenSky 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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.

Message From Capital Bank N.A.

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

Contact

About OpenSky® Secured Visa® Credit Card

Availability

  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
Cash Advance Fee Minimum $6
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $6
Foreign Currency Transaction Fee 3%
Annual Fee $35
Minimum Interest Charge $1
Returned Payment Fee Up to $25
Late Fee Amount Up to $38
Credit History Not Required
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Security Deposit $200 - $3,000
Cash Advance APR (Variable APR) 17.39%
Balance Computation average daily balance (including new purchases).
Credit Limit Up to $0
Purchase APR (Variable APR) 17.39%
Card Type
  • Secured
  • Bad Credit
Card Network Visa

OpenSky® Secured Visa® Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

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.

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