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Open SkySM Secured Visa® Credit Card

Offered by: Capital Bank

Open SkySM Secured Visa® Credit Card

  • No Credit Check for Approva
  • No Checking Account Required
  • Reports to All 3 Major Credit Bureaus
  • All Applications Considered
  • Quick and Easy Online Application
  • 4 Ways to Fund Your Card
  • Accepted Everywhere You See the Visa Logo
  • Choose Your Own Credit Limit from $200 to $3,000

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
N/A
Typical Low: N/A
Typical High: N/A
   

N/A

14.25%

N/A

14.25%

 

 

 

 

* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

14.25%

Annual Fee

$50

Late Fee

$20

Cash Advance Fee

5%

Balance Transfer Fee

5%

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

$0

$0

$0

Interest Savings on Transferred Balance

$0

$0

$0

Interest Savings on New Purchases

$0

$0

$0

Value of Rewards on New Purchases

$0

$0

$0

Value of Bonus Points

$0

$0

$0

Annual & Application Fees

‑$50

‑$50

‑$50

 

Savings

Total Annual Savings

‑$50

‑$50

‑$50

Total Savings over 3 Years

‑$150

Credit Card Usage Profile

Transfer a Balance
Edit
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $50
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders of This Card

Open SkySM Secured Visa® Credit Card Cardholder Comparison Coming Soon!

We’re working hard to collect and analyze information about typical cardholders. When we have enough data available, you’ll see charts and statistics about this card, right here on Credit Karma. Check back often for updates!


200 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

Awful Helpful to 2 out of 2 people

application process was smooth, mailed in deposit

made first payment, posted to my account, however available credit balance did not change. made second payment, called to ask why. first they said 3-4 days, then they said 7-9 days, then they said 2 weeks

by now payment was late. i was dinged on my credit report 60 points down. called back again i had a late payment charge. they removed it. they said the reason it posted but did not apply to my account was because the bank canceled my payment. i called the bank that i have had for 8 years. they said they never received a payment request. called back again they confirmed my account and had no answers. if the payment did not go through.....why would you post it as successful???

not happy i paid in full and canceled

Dariens007's response was:    

 
Aug 02, 2015

jonnell08(1, 84)

Best choice ive made in my life Helpful to 84 out of 85 people

Ok so im 24 with pretty much crappy credit because I have over $6000 in hospital bill debt. Ive been trying to get a credit card since I was 18 to no avail. Read some great reviews up here for this card so i decided to apply 2 weeks ago. I started with the minimum of $200 depistit. I just received my card today, activated it, and paid off my first months balance ($29 yearly fee) THe application process was super easy. I checked my credit score today and saw that it rose 69 pts for transunion and 70 pts for equifax! I have only had the card for less than 24 hours in my hands this is amazing! Dont listen to the complaints about how long it takes to get the card. It only took 2 weeks, It takes the same amount of time to receive your debit card from the bank. Im so glad i invested $200 in myself to build my credit, Im so tired of getting denied for everything under the sun! I have a ways to go but if the score increases like this every month ill finally be able to get a car, and within the next two years buy a house!

jonnell08's response was:    

 
Jul 07, 2015

Iris13(1, 28)

Read the fine print Helpful to 28 out of 33 people

They take 6-8 business days to process your payments which can be an inconvenience. It also took forever to receive the card after making the deposit. The disappointing part about that is that I received an email saying that I would recieve my card within 5 business days of sending the deposit. This company seems kind of shady. Already looking for a different secured credit card company. 

Iris13's response was:    

 
Jun 30, 2015

TG101(1, 20)

Not any good. Helpful to 20 out of 29 people

This bank does not report to the credit bureaus every month as advertised but they will report you for using to much of your credit limit or if you carry a balance.

TG101's response was:    

 
Jun 25, 2015

papreeka18(1, 59)

Can't complain! Helpful to 59 out of 61 people

I'm fully aware payments take a while to post to my account. I am thankful for it because I am not using this card as a means for fast money access. I'm using it to better my credit!!! I opened the account on 5/9/15. It just showed up on my credit report today and my score jumped 91 POINTS!!! I haven't even made my first payment yet. No complaints here...

papreeka18's response was:    

 
Jun 09, 2015

See all 200 Reviews of Open SkySM Secured Visa® Credit Card

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from February 2015 through July 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.