No annual fee for the first year when applying for the OpenSky Plus Secured Visa card with a qualifying minimum deposit.
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OpenSky, operating under Capital Bank, offers secured Visa credit cards designed for consumers who are building or rebuilding their credit history. The platform targets individuals starting from zero credit or recovering from financial setbacks, providing a structured path toward improved credit scores.
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About Capital Bank
Product type
Secured Visa credit cards
Credit check required
No
Approval rate
86.14%
Minimum deposit
From $150
Monthly/annual fee
From $2/month or $35/year depending on card
Variable APR
23.89% to 28.24% depending on card
Cash back rewards
Up to 10%
Credit bureaus reported to
All three major bureaus
OpenSky positions itself in the entry-level credit card segment, catering specifically to consumers with no credit history, bad credit, or those recovering from bankruptcy. The service requires no credit check to apply and reports payment activity to all three major credit bureaus, which is intended to accelerate credit score improvement. Cards require a refundable security deposit as collateral, with deposit minimums ranging from $150 to $300 depending on the chosen product. The approach emphasizes transparency, with no hidden fees and a straightforward application process that takes approximately two minutes.
Active promotions
Ready to use with your order at Capital Bank.
Earn a higher cash back rate on everyday purchases such as groceries and gas during an introductory period after card activation.
Example promotion
This is an example of a promotion that could suit this business. It is not a guaranteed active offer or a working discount code. Check the website for current deals.
To the shop
Capital Bank in the news
Recent updates and background about Capital Bank, summarised in our own words.
MidFirst Bank acquires Dallas Capital Bank as part of Texas expansion
MidFirst Bank has announced the acquisition of Dallas Capital Bank, marking a step in its expansion within Texas. The deal reflects the bank's strategy to grow its presence in the state. No further details on the transaction terms were provided.
MidFirst Bank set to take over Dallas Capital Bank
MidFirst Bank has confirmed plans to acquire Dallas Capital Bank. The acquisition is part of the bank's broader growth strategy. No additional details regarding the terms of the deal were made available.
MidFirst Bank announces acquisition of Dallas Capital Bank
MidFirst Bank has announced plans to acquire Dallas Capital Bank. The move is expected to support the growth of MidFirst Bank's operations. No further financial details were included in the announcement.
Summaries by Image Review based on publicly available sources and our own editing. External links may contain affiliate links.
What others ask about Capital Bank
Answers to the most common questions, based on search behaviour and our own research.
Is OpenSky a trustworthy credit card provider?
OpenSky is a product of Capital Bank and has issued cards to over 1.6 million cardholders. The service reports to all three major credit bureaus and publishes its cardholder agreement publicly. Third-party review platforms NerdWallet and WalletHub have reviewed the OpenSky Plus Secured Visa card.
Does applying for an OpenSky card affect my credit score?
OpenSky does not perform a credit check as part of the application process. If an application is declined, there is no impact on the applicant's credit score.
How can I contact OpenSky customer service?
OpenSky can be contacted by mail at OpenSky Card Services, PO Box 9224, Old Bethpage, NY 11804-9224. Payment can also be mailed to a separate address in Dallas, TX.
How quickly can I improve my credit score with an OpenSky card?
According to OpenSky, most cardholders see their credit score increase within 3 to 6 months of consistent use. On average, OpenSky users improve their credit scores by 50 points within 6 months.
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