- Click APPLY NOW to apply online.
- 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 2 million+ cardholders who have used opensky® to build better credit!
- Rates & Fees
opensky® Secured Visa® Credit Card
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
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Annual Fee$35
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Welcome OfferN/A
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Rewards Rate10% cash back
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Credit Needed
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.
Our Take
The Good
There is no credit check necessary, plus the low annual fee and the potential for a high credit line make this a great choice if you're looking for a 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 with responsible use, it could help build your credit.
HIGHLIGHTS
Additional Details
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
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..
Expert Reviews
From the CompareCards.com Editorial Team, updated on Aug 05, 2026
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. The opensky® Secured Visa® Credit Card allows the card holders to start building their credit, with the minimum credit line being $200. This card does report to all three major credit bureaus.
The fees are pretty typical and you can expect 23.89% (variable) APR 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
Related Card Offers
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Annual Fee$0
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Welcome OfferN/A
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Rewards RateNon-rewards Card
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Credit Needed
Bottom Line
This card now comes with no annual fee, making it one of the few secured cards without it. Capital One Platinum Secured Credit Card is a nice alternative for someone with poor credit who wants a chance to rebuild their credit.
Our Take
The Good
With this card, you can sign up for free enrollment in online tools to help you track your credit score. You can also earn opportunities for a credit line increase based on your payment history and credit worthiness.
The Not So Good
The APR is 28.99% (Variable). You also have to put forth a security deposit in order to get this card.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- 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
- Top rated 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
- Rates & Fees
See Additional Details for Capital One Platinum Secured Credit Card
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Annual Fee$0
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Welcome OfferN/A
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Rewards Rate10% cash back
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Credit Needed
Bottom Line
The opensky® Plus Secured Visa® Credit Card is a practical choice for those looking to improve their credit score.
Our Take
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.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- 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 2 million+ cardholders who have used opensky® to build better credit!
- Rates & Fees
See Additional Details for opensky® Plus Secured Visa® Credit Card
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Annual Fee$49
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Welcome OfferN/A
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1% - 10% cash back
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Credit Needed
Bottom Line
The First Progress Prestige Secured Mastercard® can help those who do not have sufficient credit to get a standard credit card. Though the card does require you to put in a security deposit (acting as the "limit" on the card), the payments you make toward it are reported to the credit bureau.
Our Take
The Good
The main benefit of this credit card is that it gives you a chance to build your credit just by spending your own money. Rather than paying cash for the things you need, you can pay with your card and then pay back the balance.
The Not So Good
You have to pay an annual fee of $49 for this card, on top of putting down a security deposit to act as your available balance.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
- A $200 refundable deposit is your first step toward better credit!
- Apply with no impact to your credit!2
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
See Additional Details for First Progress Prestige Secured Mastercard®
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.
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