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- Regular Purchase APR 28.99% (variable)
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $0
- Credit Needed Limited / Poor / Fair
- Card Brand Visa®
- Regular Purchase APR 28.99% (variable)
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $0
- Credit Needed Limited / Poor / Fair
- Card Brand Visa®
Highlights
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with as little as $300 – Secure your line with a refundable security deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
Card Fees
Foreign Transaction Fee
See terms
Balance Transfer Fee
N/A
Penalty APR
None
Ongoing Information
Rewards Rate
Up to 10% cash back rewards
Annual Fee
$0
Expert Reviews
From the CompareCards.com Editorial Team, updated on May 20, 2025
We don't have a review for this card yet, but sit tight! There's one coming soon.
Expert Reviews of OpenSky® Plus Secured Visa® Credit Card
The Bottom Line
The OpenSky® Plus Secured Visa® Credit Card is a practical choice for those looking to improve their credit score.
The Good
The OpenSky® Plus Secured Visa® Credit Card stands out for its accessibility to consumers with poor or no credit history, offering them a chance to build or rebuild their credit through responsible use without requiring a credit check. Furthermore, it reports to all three major credit bureaus, which can aid in rapidly improving credit scores when managed wisely.
The Not so Good
Despite its benefits for credit building, the OpenSky® Plus Secured Visa® Credit Card requires a refundable security deposit, which could be a financial hurdle for some applicants.
Editorial Note: This content is not provided by Capital Bank N.A.. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital Bank N.A..
Consumer Reviews
OFFER RATING
/5.0
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- Reports to Credit Bureaus Build Credit When Used Responsibly
- Minimum Deposit $49, $99, or $200
- Regular Purchase APR 29.74% (Variable)
- Annual Fee $0
- Credit Needed Limited / Poor
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- Minimum Deposit $49, $99, or $200
- Regular Purchase APR 29.74% (Variable)
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Highlights
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Platinum Secured Credit Card
- Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- Credit Line Put down a refundable $200 security deposit to get at least a $200 initial credit line.
- Regular Purchase APR 29.74% (Variable)
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Mastercard®
- Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
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- Annual Fee $0
- Credit Needed Limited / Poor
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Highlights
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
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- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Quicksilver Secured Cash Rewards Credit Card
- Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
- APRs 10.99% Intro APR for 6 months on balance transfers, then 27.24% Variable APR
- Rates and Fees No annual fee, no late fee on your first late payment. After that, late fee up to $41 applies. No penalty APR.*
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Discover
- Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
- APRs 10.99% Intro APR for 6 months on balance transfers, then 27.24% Variable APR
- Rates and Fees No annual fee, no late fee on your first late payment. After that, late fee up to $41 applies. No penalty APR.*
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Discover
Highlights
- No credit score required to apply. No Annual Fee.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- 30 points or more—that’s how much you could increase your FICO® Credit Score on average after just six months of responsible use.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers—only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
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- Terms and conditions apply.
See additional details for Discover it® Secured Credit Card
