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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!


198 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

Iris13(1, 1)

Read the fine print Helpful to 1 out of 1 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, 2)

Not any good. Helpful to 2 out of 2 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, 19)

Can't complain! Helpful to 19 out of 21 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

CreditSaavy(1, 17)

Score went up 59 points since 5/20/15 Helpful to 17 out of 18 people

I applied for this card on May 16 and everything went well. I sent my $200 deposit via Western Union at a local Checksmart and they recieved the money in 2 days and took another 2 days to process. I got email over the weekend that the money had been applied and my account was now open. My card was on its way. It took about 8 business days for me to get it in the mail and the activation was easy. I paid the $29 fee that week and swiped it once. I just looked on Credit Karma and saw that my Transunion score went up 59 points! It shows as New Account with Capital Bank $200. Guys I had filed BK in 2013 and then in 2014 I was out of work for months. my credit continued to suffer as accounts went bad. But not only has this brought me up but I took a leap and applied for Discover IT (Knew I would be denied) but I was offered their secured card too! Open Sky is great.

CreditSaavy's response was:    

 
Jun 08, 2015

Demetr1a(1, 12)

It's a decent card for rebuilding credit Helpful to 12 out of 13 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

See all 198 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 January 2015 through June 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.