The Card for Building Your Credit Today to Be Approved for Home and Auto Loans Tomorrow

© 2022 OpenSky® is issued by Capital Bank N.A. About Capital Bank N.A.


The OpenSky® Secured Visa® Credit Card is secured with a deposit and does not require a credit check1 so you cannot be declined for poor credit history.

  • Low annual fee ($35)
  • Accepted worldwide
  • We don't pull your credit when you apply
  • Security deposit required ($200 minimum)

How the OpenSky Secured Visa Card Works in 3 Simple Steps

More Than 650,000 People Have Used OpenSky® to Help Build Their Credit


OpenSky® by Capital Bank
Cardholder Agreement

If you struggle with damaged credit, you are not alone.  56%2 of Americans have a low credit score.  It can hold you back from getting a mortgage, car loan, credit card and more.

The OpenSky Secured Visa Card works differently.  You set your credit limit with a security deposit to your account.  Use the card for everyday purchases and make the minimum payment each month. We report your progress to all 3 major credit bureaus so your score improves over time.  

1. Additional criteria may apply 

2. Source: Consumer Federation of America; CFED Assets & Opportunity Scorecard

3. Your security deposit is returned to you once your credit card account is closed and the balance is paid in full. We may use your security deposit to expedite the pay down of your outstanding balance. Please refer to your Cardholder Agreement for additional details related to your security deposit. 

Reach your goals faster with a different type of card

Apply for the Card

  • Fill out a short 5-minute application.
  • No credit check needed to apply.1

Submit a Security Deposit

  • Choose your credit line with a one-time refundable deposit3, starting at $200.
  • The security deposit3 is your collateral.

Build Your Credit Score

  • Monthly reporting to all 3 major credit bureaus.
  • Make on-time payments to improve your credit score.
  • Stay on track with our convenient mobile app.

My score has moved up 46 points in just 6 months!

Laverne J.
OpenSky® Card Member

Very helpful in rebuilding my credit after a messy bankruptcy

Yogi D.
OpenSky® Card Member

My credit score went up from 547 to 651 in just 9 months! I have had nothing but good experiences with this card

Kd N.
OpenSky® Card Member


Results may vary