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Opensky® Secured Visa® Credit Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of OpenSky® Secured Visa® Credit Card
32 Reviews
Consumer Rating:
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Average Score:
Card Details
Card Details

Opensky Credit Card Details

Issuer Capital Bank
 Annual Fee  $35
 APR (Purchases)  17.64% V
 APR (Cash Advances)  17.64% V
 Min Security Deposit  $200
 Max Security Deposit  $3000
 Reports As  Unsecured
 Foreign Transaction Fee  3%
 Cash Advance Fee  Max ($6 or 5%)
 Late Payment Fee  Up to $38
 Return Payment Fee  Up to $40
 Grace Period  25 Days
 Additional Card Fee  $0

Pros and Cons
Pros and Cons

Pros and Cons


  • No Credit Check
  • Report as unsecure
  • Can use debit or prepaid card, Western Union for deposit


  • Cannot graduate (because Opensky has no unsecured credit card)

Our Take
Our Take

Our Take

In our opinion, this is one of the best credit card for those of you who have really bad credit and have been denied from other cards. The key feature of this card is that there is no check check so you do not risk any hard pull at all. All they need is to verify your identity. It also reports as unsecured (which appears as normal "credit card" in your credit reports).

You also do not need a bank account to deposit your refundable security deposit check. You can do so with a debit or prepaid card, Western Union, Snail Mail check or money order. In fact, funding your deposit by debit or prepaid card is the fastest method and you get your card sooner.

If you have already been rejected by other unsecured or even secured credit cards, this card is a great option to rebuild your credit. The lack of hard pull on your credit report is definitely worth the $35 annual fee. Once your credit score has improved enough to the point when you can get an unsecured credit card with no annual fee, then you can simply cancel the card and get back your fully refundable deposit.


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Credit Score: 496 Credit Limit: 400 Age: 25-34
Posted 12/12 2016
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
The card is ok but customer service could use some improvements. They do not seem to be on the same page and often give me different answers to the same questions.

Having said all that, I have been using the responsibly and only charging like $35 a month on the card and paying it off on time and in full. My score has already gone up 40 points after 5 months.
Credit Score: 535 Credit Limit: 500 Age: 25-34
Posted 04/05 2016
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
The website and online tools are bad. User interface is poor. They better revamp their website cos most other banks have much better websites than this.

Still I cannot complain about them giving me a chance with hard pull after I had been turned down by issuers like Credit One!