This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.1
User Reviews
3.8
Market Comparison
3.0
fees: 3.3
rewards: 0.0
cost: 2.0
Other Features: 4.1
Secured Credit Card→Min Deposit of $100
One-Time Fees→$0
Regular APR→28.24% (V)
Secured Card
Min Deposit of $100
One-Time Fees
$0
Regular APR
28.24% (V)
annual fee
$0
monthly fee
$2 intro 1st yr, $3 after
minimum credit
Bad
WalletHub's Take: The opensky® Launch Secured Visa® Credit Card is a good credit card to consider if you have a bad credit score and only $100 to spare for the refundable deposit on a secured card. Most other secured credit cards require a minimum of $200 to $300 for a deposit.
Pros
Qualify with limited or no credit history
Cons
High regular APR
Foreign fee
Requires security deposit
Additional Info
Start building credit with just $100 – secure you line with a low, refundable security deposit
No credit check required – 89% approval rate with zero credit risk to apply!
Use your Opensky card to pay for TurboTax and get up to $20* on us.
Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
Earn up to 10% cash back on everyday purchases
Affordable payments – minimum payment as low as $10
Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
Track your progress with free access to your FICO® score in our mobile app
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
Fast and easy application—apply in minutes with our mobile-first experience
Flexible payment options—pick a due date that works for you
More time to fund—spread your security deposit over 60 days with layaway
Join 1.6 million+ cardholders who have used opensky® to build better credit!
*Activation of the TurboTax offer is required prior to purchase to qualify for a reward. To activate, click the offer in Opensky Rewards, available through the Opensky credit card mobile app or website. Offer valid 12/1/25–4/18/26. Additional TurboTax terms apply; see TurboTax reward details for more information. See Opensky Rewards Terms & Conditions for details on reward timing.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.0
User Reviews
3.5
Market Comparison
3.0
fees: 3.0
rewards: 0.0
cost: 2.0
APR: 2.5
Other Features: 4.3
Secured Credit Card→Min Deposit of $200
One-Time Fees→$0
Regular APR→23.89% (V)
Secured Card
Min Deposit of $200
One-Time Fees
$0
Regular APR
23.89% (V)
annual fee
$35
monthly fee
$0
minimum credit
Bad
WalletHub's Take: The opensky Credit Card is a good credit card for people with bad credit who want high approval odds, as there is no credit check when you apply. The downside of the opensky Card is its $35 annual fee, but that can be worth paying for the chance to rebuild your credit.
Pros
Reasonable $35 annual fee
As low as $200 minimum deposit
Cons
3% foreign transaction fee
Additional Info
Use your Opensky card to pay for TurboTax and get up to $20* on us.
Earn up to 10% cash back on everyday purchases
No credit check required – 89% approval rate with zero credit risk to apply!
Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
Track your progress with free access to your FICO® score in our mobile app
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
Start with just $200—secure your credit line with a refundable deposit
Fast and easy application—apply in minutes with our mobile-first experience
Flexible payment options—pick a due date that works for you
More time to fund—spread your security deposit over 60 days with layaway
Join 1.6 million+ cardholders who have used opensky® to build better credit!
*Activation of the TurboTax offer is required prior to purchase to qualify for a reward. To activate, click the offer in Opensky Rewards, available through the Opensky credit card mobile app or website. Offer valid 12/1/25–4/18/26. Additional TurboTax terms apply; see TurboTax reward details for more information. See Opensky Rewards Terms & Conditions for details on reward timing.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.8
Market Comparison
3.9
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 4.4
Secured Credit Card→Min Deposit of $300
One-Time Fees→$0
Regular APR→28.24% (V)
Secured Card
Min Deposit of $300
One-Time Fees
$0
Regular APR
28.24% (V)
annual fee
$0
monthly fee
$0
minimum credit
Bad
WalletHub's Take: The opensky® Plus Secured Visa® Credit Card is the best credit card with no credit check available right now because it’s easy to get and there’s no annual fee. The fact that the opensky Plus Credit Card won’t check your credit history when you apply means you’ll have high approval odds even with severely damaged credit. The lack of an annual fee also means credit improvement doesn't have to cost you a thing, considering that you don’t need to make purchases to build credit.
Pros
No membership fees
Qualify with limited or no credit history
Cons
High regular APR
Foreign fee
Requires security deposit
Additional Info
No annual fee – keep more money in your pocket!
Use your Opensky card to pay for TurboTax and get up to $20* on us.
No credit check required – 89% approval rate with zero credit risk to apply!
Earn up to 10% cash back on everyday purchases
Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
Track your progress with free access to your FICO® score in our mobile app
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
Start with as little as $300 – Secure your line with a refundable security deposit
Fast and easy application—apply in minutes with our mobile-first experience
Flexible payment options—pick a due date that works for you
More time to fund—spread your security deposit over 60 days with layaway
Join 1.6 million+ cardholders who have used opensky® to build better credit!
*Activation of the TurboTax offer is required prior to purchase to qualify for a reward. To activate, click the offer in Opensky Rewards, available through the Opensky credit card mobile app or website. Offer valid 12/1/25–4/18/26. Additional TurboTax terms apply; see TurboTax reward details for more information. See Opensky Rewards Terms & Conditions for details on reward timing.
Pros, Cons, & Details
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
Open Sky lies to you about accepting their credit card. I had the secured Visa card with a $300 limit, which I maintained for 2.5 years, never missing a payment and always keeping the account in a positive state. Open Sky presented me with a gold card with a $1,000 limit. I asked the representative if there was an annual fee, and she said "no," but I would have to pay $59 to start with. I agreed, believing her that there was no annual fee. I woke up this morning to a ding on my credit report. I rushed to check my Equifax credit report and saw Open Sky hit my credit with an annual fee of $59, which damaged and lowered my credit utilization. I called Open Sky, and they stated the gold card has a $59 annual fee. I said o no absolutely not. I then Canceled that credit card immediately. it's been over a year ago, when I was presented with the gold card, the rep stated there was no annual fee and no ding to my credit. I immediately canceled that Open Sky credit card. It is so unfortunate Open Sky uses lies to get people to get their card, only to charge an annual fee of $59. I am shopping for a better company that keeps their word. Open Sky needs to teach their reps to provide correct information to customers.
What bothers me the most is that I could have looked past the $59 fee if they had notified me and given me time to pay it, but no, they kept it a secret and placed it on my credit to damage it. Open Sky didn't even give me a chance or notify me of this charge, only to place it on my account upon reporting to the credit bureau. I am considering canceling the other one as well. That is so upsetting.
Open Sky Credit Card has been an amazing tool for me to begin the process of building a positive, revolving credit history and becoming financially stable. I feel like this has been a great first step towards becoming truly successful and independent. Also, they have outstanding Customer Service and Support if you need anything at any time! THANK YOU OPENSKY - You are appreciated by this satisfied customer! Sincerely, Jordan W.
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Product: Capital Bank Credit Cards
Comment
0
0
Ali Evans @alie_8
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2 Star Rating
I don't like this card. Sometimes, they take over five business days to process payments from your account. Also, they often take three to five days to reflect your available balance even after the payment has cleared. I've paid this card down to $0 and don't plan on using it again. The interest is also exorbitant, but I got it to rebuild credit. The pro is that they approved me when I needed to rebuild. This is not a card you want to be irresponsible with at all.
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Product: Capital Bank Credit Cards
Comment
0
0
Leo CapeCod @onsetbeachbum
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2 Star Rating
It's okay when you're coming out of bankruptcy and need to re-establish credit. The biggest problem with this card is that you make an online payment, and the next day they tell you that the payment was posted, but it's really not. It takes 5 days to post. Therefore, they're earning interest on your money.
I regret getting this card already. Budget sent the release form for my 250 deposit and they keep saying they haven’t received it for the last 5 times. I told them I’m closing it after I get my money back and I will go to my news outlet I’m not playing
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Comment
0
0
Edward Marsh @edwardm_180
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5 Star Rating
Verified Customer
Great app to build credit
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Product: Capital Bank Credit Cards
Comment
0
0
greg lathers @Greglathers
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2 Star Rating
Verified Customer
Paid off in full over a month ago. Lowered credit limit to almost nothing based on inaccurate information.
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Product: Capital Bank Credit Cards
Comment
0
0
Carlos Garcia @cgarcia14201
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1 Star Rating
(WARNING) Please stay away from this card. I opened this account with a $100 deposit, and it's been a nightmare since day one. The fees they charge are unrealistic. The company charges a late fee, a service fee, a processing fee, and they charge you a fee to make a payment. Then, after you make a payment, it takes 7 to 10 days for your payment to post, even when you use a debit card. The reason they do that is so your payment will be late, and then they can charge you an extra $25.37 late fee because it took them 10 days to process the payment; it's a complete scam.
They take advantage of hardworking people who are trying to build their credit. You give them a $100 deposit, and before they're done with you, you owe them hundreds of dollars in late fees and service fees. We work hard for our money to just give it away to people who are stealing it the legal way. Before you click on that agreement, please read it and stay away from this company. They will destroy your credit report and your pocketbook. Even if they offered me $1,000 in credit, I would not take it because I can't even imagine the amount of fees they would end up charging me in the end. I can't stress enough to stay away from this company.
Yeah they need to be shutdown seriously. After seeing all this I hate I came here
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Comment
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0
Freda Lewis @lewisfreda14
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1 Star Rating
This is the most horrible secured credit card ever. It has poor customer service, ridiculous made-up fees, and takes forever to post your payments. It also will hold your funds hostage for authorization holds.
Omg I’m going through this right now. Rented a car and they sent the release for over and over I even have the release for as well and they keep saying they didn’t receive it. This has been since 1/8/2026. I told them I’m not calling back budget back because they did their part over and over. ATP I’m waiting for the automatic release of my money and I’m closing my account. I told them that today. Only had the damn card for not 3 months
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Comment
0
0
Keyle Smith @raquillesandss
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1 Star Rating
Please do not use OpenSky. This is not a good card for building credit. Your scores will drop as soon as you use the card. They have ridiculous, made-up fees. They take five business days to make credit available after making payments. This is a predatory financial institution that makes it nearly impossible to close your account with them. They will take eight weeks to send you your deposit back but will take your money immediately.
Ridiculous fees they come up with. It takes 5 days for a payment to clear. There's a $10 fee if you pay your bill with debit to clear in 24 hours. You put in your own money but can't increase your own limit. If you cancel, it's a headache to get your own money back. Big scam.
Get answers to your questions about Capital Bank Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
You can make opensky® Secured Visa® Credit Card payment online, by phone, through the Capital Bank mobile app, or by mail. To pay your opensky bill online, log in to your online account and click on “Payments.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Capital Bank does allow cardholders to set up automatic payments, too.
Ways to Make opensky Payment
Online: Log in to your online account and click on “Payments.”
By phone: Call (800) 859-6412 and enter your card information when prompted, then follow the prompts to make a credit card payment.
Through the mobile app: Log in to your account and select your card, then tap “Payments.”
By mail: Send a check or money order (but not cash) to
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a opensky payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
No, the opensky doesn't have pre-approval. The issuer does not offer pre-approval through its website. However, opensky does not run a credit check when you apply. This means that you won't have to deal with the temporary damage to your credit score that can accompany a hard credit inquiry.
The opensky card is a good credit card for people with bad credit who want high approval odds. The downside is that the card has a $35...
Opensky credit cards work like any other secured credit cards, giving you a credit limit equal to the amount of the refundable security deposit you're required to place. You must make a deposit of at least $200 or $300, depending on the card, and the amount you put down is returned to you (minus any unpaid balance) when you close or graduate your account.
Yes, you can pay your opensky® Secured Visa® Credit Card bill by phone. To make your opensky payment over the phone, call 1-800-859-6412 and follow the instructions from the automated menu, then enter your payment information. The process should only take a few minutes.
Yes, the opensky secured credit card is safe. The card is issued by the FDIC-insured Capital Bank and belongs to the Visa network. The opensky secured credit card also offers standard security features such as $0 fraud liability protection and a 3-digit security code printed on the back of the card.
In addition, the opensky secured credit card comes with an embedded computer chip. Chip-based cards are considered to be more secure than magnetic stripe cards since they are...
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