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Offered by: Capital Bank

Open SkySM Secured Visa® Credit Card

  • No Credit Check for Approval
  • 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!


194 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

It's a decent card for rebuilding credit Helpful to 4 out of 4 people

Like others,I pay the statement balance in full every month. Don't rely on the credit being available immediately because although the payment is reflected in your balance, it usually takes 5-7 days for the credit to become available again. 

Demetr1a's response was:    

 
May 17, 2015

Demetr1a(1, 4)

HORRIBLE!! Helpful to 10 out of 10 people

I applied for this card at the end of March..!! MARCH and it is May 14th and I have still not received it!! I made my deposit on March 20th and received an email on April 1st stating that they had received my deposit and my card was on it's way.  I waited and waited the 7-10 business days and then some. When I had not received the card after two weeks I contacted them and let them know that I had not received my card but  I did receive my annual fee billing statement and my billing statement for May also but STILL no card. Another had supposingly been sent out on May 1st when I spoke to the customer service center but when i called the lost or stolen card center they claimed it was shipped out on April 28th and I should be receiving it by the weekend. If that was true I should have the card by now right? The guy I spoke to was sooooo CARELESS as a matter of fact when i told him if i had to call back then i would be requesting a refund and all that he had to say was "That's ok ma'am". I should have went with what the bad reviews said and chose another card this is ridiculous I paid my deposit I should NOT have to wait nearly two months to receive my card. I am serious if i do not receive my card by Saturday I will be requesting my money back and going with another secured credit card I would NEVER recommend this card to anyone...!!

mzlady326's response was:    

 
May 14, 2015

mzlady326(2, 12)

HORRIBLE!!! Helpful to 2 out of 2 people

I applied for this card at the end of March..!! MARCH and it is May 14th and I have still not received it!! I made my deposit on March 20th and received an email on April 1st stating that they had received my deposit and my card was on it's way.  I waited and waited the 7-10 business days and then some. When I had not received the card after two weeks I contacted them and let them know that I had not received my card but  I did receive my annual fee billing statement and my billing statement for May also but STILL no card. Another had supposingly been sent out on May 1st when I spoke to the customer service center but when i called the lost or stolen card center they claimed it was shipped out on April 28th and I should be receiving it by the weekend. If that was true I should have the card by now right? The guy I spoke to was sooooo CARELESS as a matter of fact when i told him if i had to call back then i would be requesting a refund and all that he had to say was "That's ok ma'am". I should have went with what the bad reviews said and chose another card this is ridiculous I paid my deposit I should NOT have to wait nearly two months to receive my card. I am serious if i do not receive my card by Saturday I will be requesting my money back and going with another secured credit card I would NEVER recommend this card to anyone...!!

mzlady326's response was:    

 
May 14, 2015

mzlady326(2, 12)

Great Helpful to 7 out of 8 people

I applied for my card and I received the card within 8 days also have been getting great customer service.

Ldyess82's response was:    

 
Apr 24, 2015

Ldyess82(1, 7)

Really does helo your credit score go up Helpful to 26 out of 26 people

I got the card to improve my credit score to buy a house in the next couple of years. I applied for the card in Jan. 2015. It did take forever for the card to come in. Also when you make payments, it takes take a few days fort to post to your account. Since January of this year to now, my credit score has increase 75 points. Im so glad I got this card. It has really been helping me. Glad I never paid anyone to fix my creidt becasue with a little bit of research, you can do it on you own for free. I make payments everytime I use use it. Try to keep your credit utilization no more than 30% of the balance. I reccommend this card. They have also updated their site and it works well. 

Greatcard's response was:    

 
Apr 18, 2015

Greatcard(1, 26)

See all 194 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 November 2014 through April 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.