OpenSky (Capital Bank N.A.)
OpenSky Secured Visa Credit Card Review
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People who want to build credit without a credit check or bank-account requirement
Updated for 2026
Overview
The OpenSky Secured Visa is a deposit-backed card that requires no credit check, making it accessible for people building or rebuilding credit. It reports to all three credit bureaus and needs a refundable deposit of at least $200, though it carries a $35 annual fee and earns no rewards. Approval is never guaranteed.
| Annual fee | $35 |
|---|---|
| Regular APR | 23.89% variable |
| Welcome bonus | None |
| Rewards | None — the base secured card has no ongoing rewards program |
| Recommended credit | No credit check required — designed for building or rebuilding credit |
Pros & cons
Pros
- No credit check to apply, so applying does not create a hard inquiry
- Reports to all three major credit bureaus to help build credit
- Low $200 minimum refundable deposit
Cons
- Charges a $35 annual fee
- Requires funding a refundable security deposit and earns no rewards
Compare with similar cards
Not sure this is the one? Weigh it against other secured options.
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Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.