LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit card review

Capital Bank OpenSky Secured Visa Credit Card Review

Capital BankVisaSecured

Capital Bank OpenSky Secured Visa Credit Card earned 3.9 / 5 in our 2026 review. The Capital Bank OpenSky Secured Visa Credit Card earns no rewards with a $35 annual fee. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-04-29
Capital Bank OpenSky Secured Visa Credit Card credit card
Apply at Capital Bank Compare all cards
TL;DR
Annual fee
$35
Signup bonus
None
Top reward rate
No rewards
Intro APR
None
Issuer
Capital Bank
Network
Visa
Min credit score
300
Fintiex rating
3.9 / 5
Pros
  • +No credit check required to apply (no hard or soft pull on credit report)
  • +Accept applicants with no credit history, thin credit, or poor credit
  • +Deposit between $200 and $3,000 to set your credit limit
  • +Reports to all three major credit bureaus monthly
  • +Can increase credit limit by adding to deposit
  • +Path to unsecured card after demonstrating positive payment history
  • +Low cash advance fee compared to similar cards
Cons
  • -$35 annual fee
  • -No rewards or cash back
  • -3% foreign transaction fee
  • -High APR for a secured card
  • -No automatic upgrade to unsecured card
  • -No mobile app with full-featured controls

Rewards detail

The Capital Bank OpenSky Secured Visa Credit Card is built for credit building, not rewards. There is no cash back or points program attached to spending. The value here is in reporting positive payment history to all three credit bureaus while you rebuild your score.

Rates and fees

Annual fee
$35
Purchase APR
25.64%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
25.64%
Cash advance APR
27.64%
Balance transfer fee
None
Foreign transaction fee
3%
Who it's for

The OpenSky Secured Visa Credit Card is built for people who want a secured card. Plan to have a FICO score around 300 or higher before applying. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best secured cards roundup.

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Frequently asked questions

Does the OpenSky Secured Visa Credit Card have a foreign transaction fee?
Yes. The Capital Bank OpenSky Secured Visa Credit Card charges a 3% foreign transaction fee on purchases made outside the United States. If you travel internationally often, pair this card with a no-foreign-fee travel card.
What credit score do I need for the OpenSky Secured Visa Credit Card?
Plan to have a FICO score of at least 300 before you apply. Issuers also look at income, debt-to-income ratio, and existing accounts with the bank.
Does the OpenSky Secured Visa Credit Card have a welcome offer?
No. The Capital Bank OpenSky Secured Visa Credit Card does not run a traditional signup bonus right now. The ongoing rewards rate is the main reason to apply, not a one-time promotion.
Does the OpenSky Secured Visa Credit Card have a 0% intro APR offer?
No. The Capital Bank OpenSky Secured Visa Credit Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 25.64%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the OpenSky Secured Visa Credit Card?
$35 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the OpenSky Secured Visa Credit Card worth it?
Fintiex rates the Capital Bank OpenSky Secured Visa Credit Card 3.9 out of 5 for 2026. It is best for secured. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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