© 2018 - 2022 OpenSky® is a division of Capital Bank N.A. About Capital Bank N.A.

3 Fast, Simple Steps to Building Your Credit

Apply for the Card

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

Submit a Security Deposit

  • Choose your credit line with a one-time refundable deposit1, starting at $200. 
  • The security deposit1 serves as collateral on your credit line. 

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.

More Than 1.2 Million People Have Used OpenSky to Help Build Their Credit

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

Laverne J.
OpenSky® User

Very helpful in rebuilding my credit after a messy bankruptcy

Yogi D.
OpenSky® User

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® User


OpenSky® by Capital Bank
Cardholder Agreement

If a home mortgage, auto loan, or business loan are in your plans, a strong credit history is important.  Lenders look for a history of making payments on time.  So don't wait until you need a loan, start establishing your credit now.

And it's never been easier...

The OpenSky Secured Visa Card helps you to build credit in a matter of a few months.  Simply fund your Visa with a security deposit, use it for everyday purchases, and make your monthly payments.  We report your progress to all 3 major credit bureaus so your score improves over time.

You can do it, the OpenSky Visa can help!

1. 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. 

Why Does Your Credit Rating Matter?

See what our members are saying and join the OpenSky Facebook community of over 40,000 who are achieving their financial goals together! 

Build Better Credit Now for More Possibilities Tomorrow.

Join the 650,000 cardholders who are improving their credit and reaching their goals with the OpenSky® Secured Visa® Card.

1 in 5 Cardholders improve their credit score by 70 plus points in 6 months 

87% average approval rate 5 years and counting

No credit check to apply


NerdWallet rating


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