OpenSky® Secured Visa® Review (2026)
What is the OpenSky® Secured Visa®?
The card to know if you've been denied recently or you're rebuilding after a major event. There's no credit check at application — by the issuer's count, roughly 89% of applicants are approved — and it reports to all three bureaus from day one.
Written by FairScoreGuide Editorial — Editorial Desk · Last updated
Issuer: Capital Bank, N.A. · credit cards · Editorial score: 8/10
Overview
The card to know if you've been denied recently or you're rebuilding after a major event. There's no credit check at application — by the issuer's count, roughly 89% of applicants are approved — and it reports to all three bureaus from day one.
At a glance
- Editor rating
- 8.0/10Editor’s rating 8 out of 10
- Annual fee
- $35
- APR range
- ~25.64% variable
- Typical credit
- No score check at application
Best for
- Recent bankruptcy filers or anyone afraid of another hard inquiry
- Rebuilders who want a fast, no-credit-check entry point
Features
- No credit check required to apply — the rare "safe to try" application
- Reports to all three major credit bureaus monthly
- Refundable security deposit funds your starting credit line
- Limit increases reviewed after responsible use
- Path to upgrade to OpenSky Gold (unsecured) after 6+ months in good standing
Fees
| Annual fee | $35 |
|---|---|
| Minimum security deposit | $200 |
| Foreign transaction fee | 3% |
| Late payment fee | Up to $40 |
Pros
- No credit check — predictable approval after a denial or bankruptcy discharge
- Three-bureau reporting from month one
- Documented unsecured upgrade path after six months
- Clear, low deposit floor
Cons
- $35 annual fee is unavoidable, unlike some no-fee secured peers
- 3% foreign transaction fee makes it a poor travel pick
Alternatives
Offer availability and terms can change. Confirm current APR, fees, and eligibility requirements on the issuer page before submitting an application.
Common questions
Is this review independent?
Yes. Ratings reflect editorial criteria described in our review methodology. We may earn a commission when you apply through partner links.
Will applying affect my credit?
Credit card applications typically involve a hard inquiry. Check for prequalification options on the issuer site when available.
How often is this page updated?
We refresh key facts when issuer disclosures change. See the published date signals on this page and our data sourcing notes for methodology.