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Read on to learn about a card that can help you build credit easily!

OpenSky® Secured Visa® Credit Card, unlock your world of possibilities today!


Do you have a hard time getting approved for a credit card? Or do you fear that if you get one, you might go overboard and end up in debt? If so, the OpenSky® Secured Visa® Credit Card could be a great fit for you. It’s designed to help people with poor or no credit history build up their credit rating!


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See below for some of the benefits of the OpenSky® Secured Visa® Credit Card, and take the first step to improve your credit today!

Available for bad/average credit scores;
Reports do Equifax, Experian, and TransUnion;
Fast pre-qualification;
Up to 10% cash back rewards on purchases at over 40,000 retailers

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Step into the world of credit with confidence with the OpenSky® Secured Visa® Credit Card, your financial building block towards a robust credit future.

This card isn’t just a transaction tool—it’s your personal credit architect, designed for those seeking to build or rebuild their financial standing with security and ease.

Strengths and Special Offerings

  • No Credit Check Required: Open the door to credit improvement without the hurdle of a credit check, ideal for those recovering from financial missteps or starting their credit journey.
  • Choose Your Credit Line: With a refundable deposit, you establish your credit line, putting you in control of your spending limit while securing your financial stability.
  • Regular Reporting to Credit Bureaus: Responsible usage is reported to all three major credit bureaus, setting the stage for credit score improvement through consistent, mindful spending.
  • Global Acceptance: Harness the power of Visa, where your card is accepted worldwide, easing travel, online purchases, and everyday spending wherever you go.
  • Helpful Customer Service: Access support and credit education, empowering you with knowledge and assistance as you navigate your credit enhancement journey.
  • Security Assurance: Benefit from the security features inherent in Visa cards, protecting you against unauthorized transactions and identity theft, for peace of mind.

Limitations to Consider

  • Annual Fee: Despite its role in credit building, the card comes with an annual fee, an expense to factor into your financial planning.
  • Foreign Transaction Fees: Purchases made outside of the United States carry additional charges, something to consider during international travel.
  • Variable APR: The card carries a variable APR on purchases, necessitating careful balance management to avoid hefty interest accumulation.
  • Deposit Required: It requires an upfront, refundable deposit which, although securing your credit line, can be a significant initial outlay, especially for budget-conscious individuals.

The OpenSky® Secured Visa® Credit Card is a beacon for those charting a new or renewed path in creditworthiness, offering a structured route to credit improvement.

While it requires mindful management of fees and spending, it paves the way for financial empowerment and future borrowing opportunities. This card is more than a purchasing tool; it’s a stepping stone to your solid credit profile.

You can set a monthly spending cap of up to $3,000 as your credit limit with the OpenSky Secured Visa (a much higher cap than many other secured cards). This way, the maximum limit amount will be based on your security deposit amount!

Yes! One of the main features of the OpenSky® Secured Visa® Credit Card is that you can build your credit score with it for a low annual fee and no monthly fees! And there is a low minimum security deposit of $200!

For those looking to build or repair their credit, the OpenSky® Secured Visa® Credit Card can be an incredible choice! And you can be sure that this card is a safe option since Capital Bank offers high-level safety features! Plus, you can use this card to build or repair a credit profile!

OpenSky® Secured Visa® Credit Card

Apply for the OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® Credit Card can help you establish or rebuild your credit. Don't let bad credit keep you from getting the things you need.

Are you looking for a different secured card besides the OpenSky® Secured Visa® Credit Card? If so, you can try applying for the Discover it® Secured Card!

With this card, you’ll be able to get high cashback for no annual fee and other perks! Therefore, read our post below to learn more about this card and how to apply!

Cartão Discover it® Secured

Application for the Discover it® Secured card

This card is outstanding. Discover it® Secured card offers more than just benefits. It will help you rebuild your financial life with a healthy credit score!

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