Opensky® Secured Visa® Credit Card

Picture of OpenSky® Secured Visa® Credit Card
29 Reviews
Consumer Rating:

Apply Here 4
Average Score:

Card Details
Card Details

Opensky Credit Card Details

Issuer Capital Bank
 Annual Fee  $35
 APR (Purchases)  18.89% V
 APR (Cash Advances)  18.89% 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 $40
 Return Payment Fee  Up to $40
 Grace Period  25 Days
 Additional Card Fee  $0

Pros and Cons
Pros and Cons

Pros and Cons: Opensky


  • 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

Is The Opensky Credit Card Good?

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: 548 Credit Limit: 200 Age: 55-64
Approved 20 yrs after Bankruptcy
Income On Application: $735
Posted 08/15 2017
Overall Rating:
credit scores are 548
Credit Score: 586 Credit Limit: 500 Age: 35-44
Approved 2 years after Bankruptcy
Income On Application: $60000
Posted 06/13 2017
Overall Rating:
The application process was very easy and this card has done it's job. After 6 months, my score has increased from 586 to 650. I have no other card, so perhaps it is time to get an unsecured card.
Credit Score: 521 Credit Limit: 200 Age: 25-34
Posted 01/17 2016
Overall Rating:
Here's my take on this card.

1. low starting deposit/limit ($200)
2. No hard pull

1. Payment hold (about 10 days) for up to 6 months before they process it in 48 hours.

BTW - my score went from 521 to 630 within a year.
Credit Score: 486 Credit Limit: 300 Age: 35-44
Posted 10/02 2015
Overall Rating:
I applied for both the Discover and Citi secured card and was denied. My Eq score dipped about 5 points because of the hard pull. I then applied for this card and cap one secured together (in 2 browsers) and got approved for both. My scores went up to 520 about a week later.

I like the fact that there are no credit checks. The bad thing is that they put your payments on hold for about 5-7 business days whereas with Cap One, they clear the next day.
Credit Score: 567 Credit Limit: 500 Age: 45-54
Posted 09/16 2015
Overall Rating:
My credit was destroyed after a job loss and to rebuild my credit, I tried applying for a couple of secured cards like Citi and Wells and was denied. I decided to apply for this card because they did not do any credit checks. I got approved and deposited $500.

It has been about 16 months and my score had improved over 70 points.
Credit Score: 475 Credit Limit: 200 Age: 35-44
Posted 07/07 2015
Overall Rating:
My credit was hit hard and my score was 475 with 15 collections. I applied for a few sub-prime card but was denied. And I was also denied for a few secured cards! But Opensky gave me a chance and I deposited the minimum $200. I would have given this a 5-star if not for the payment hold (about 5 days).