Rated 3.5/5.0 stars by our editorial team
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3.5/5.0 from 0 Offer Ratings
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- Regular Purchase APR 24.64% (variable)
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $35
- Credit Needed Limited / Poor / Fair
- Card Brand Visa®
- Regular Purchase APR 24.64% (variable)
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $35
- Credit Needed Limited / Poor / Fair
- Card Brand Visa®
Highlights
- Earn up to 10% cash back on everyday purchases
- No credit check required – 89% approval rate with zero credit risk to apply!
- 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 just $200—secure your credit line with a refundable 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
$35
Expert Reviews
From the CompareCards.com Editorial Team, updated on May 20, 2025
A secured card is a great option for those who are looking to improve their credit, but can’t get approved for a traditional unsecured credit card, or, for those who wish to have a higher credit line that other issuers simply can’t give them. The OpenSky® Secured Visa® Credit Card allows their card holders to start building their credit, with the minimum credit line being $200. They do report to credit bureaus, ensuring that you'll be able to build credit with responsible use.
The online application is quick and easy and applicants do not need to have a checking account to get approved. Fees that are attached with this card are pretty typical with the APR at 24.64% (variable) and an annual fee of $35.
The terms and conditions of the card state penalty fees of Up to $41 . A deposit is required at the time of application since approvals are instant and no checking account is required. This card will work anywhere Visa is accepted.
Expert Reviews of OpenSky® Secured Visa® Credit Card
The Bottom Line
This secured card is right in the middle in terms of rates and fees. The annual fee is pretty low compared to similar credit cards.
The Good
There is no credit check necessary and you don't need a checking account either. A low annual fee and the potential for a high credit line makes this a great choice if you're looking for a solid secured credit card.
The Not so Good
While this card does earn rewards, it does not come with many other bells and whistles. A secured card may not be your top choice, but it’s essential to building your credit.
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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- Reports to Credit Bureaus Build Credit When Used Responsibly
- Minimum Deposit $49, $99, or $200
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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 a $200 initial credit line
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- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
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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 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)
- Credit Line Put down a refundable $200 security deposit to get a $200 initial credit line.
- Regular Purchase APR 29.74% (Variable)
- 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
- Put down a refundable $200 security deposit to get a $200 initial credit line
- 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
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- 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
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- Annual Fee $0
- Credit Needed Limited / Poor
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- 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. 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.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
See additional details for Discover it® Secured Credit Card
