Card details · Capital Bank N.A.
OpenSky Secured Visa Credit Card review: fees, rewards and APR
The OpenSky® Secured Visa® Credit Card is a credit card from Capital Bank N.A. with a $35 annual fee. By our overall score it ranks #17 of the 242 credit cards we rank (store-only cards excluded). It is listed in our credit-building rankings.
Key facts
- Issuer
- Capital Bank N.A.
- Network
- Visa
- Annual fee
- $35
- Welcome offer
- Fund $300 same day get $20 bonus
- Our overall score
- 78 (#17 of 242 cards)
Benefits and notes
$200 min security deposit required
Where it ranks
- Overall: #17 of 242 cards (score 78)
- Credit-building cards: #12 of 20 by our credit-building score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Capital Bank N.A.’s own site) as of October 9, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the OpenSky Secured Visa Credit Card?
$35, as stored in our database. Confirm the current fee on Capital Bank N.A.’s site.
Does the OpenSky Secured Visa Credit Card have a welcome bonus?
Our database lists this offer: Fund $300 same day get $20 bonus Offers change often and terms apply.
Does the OpenSky Secured Visa Credit Card have a 0% intro APR?
Our database lists no intro APR offer for this card.
How does the OpenSky Secured Visa Credit Card rank on YourBestCards?
#17 of 242 cards by our overall score (78). In our category lists: #12 of 20 credit-building cards.
Other top-scoring cards
- 5% cash back on one spend category you pick each month with Chime Prime ($3,000+ direct deposits in 34 days), or 2% with Chime Plus ($200+ direct deposit)
- up to $1,500 of purchases a month
- no rewards outside the category or without direct deposit
- Annual fee
- $0
- 5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit
- 2X on other travel purchases
- 3X points on dining, including eligible delivery services, takeout and dining out
- Annual fee
- $95
- Welcome offer
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- 2% cash back on your top eligible spend category each month, including gas stations, groceries, dining and more
- 1% cash back on other purchases
- Annual fee
- $0
- Welcome offer
- Get a one-time statement credit up to $98 (plus applicable taxes) for an annual Walmart+ membership.
- 1.5% cash back on all purchases
- Annual fee
- $0
- Welcome offer
- Earn $25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days
- 1.5% cash back on all purchases
- 5% on Capital One Travel hotels/rentals
- Annual fee
- $0
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.