Capital Bank • Visa
OpenSky® Secured Visa®
No credit check. No bank account required.
★ ★ ★ ★ ★
4.3 (12,847 reviews)Very High Approval OddsApply on Official Site →
Annual Fee
$35
Min Deposit
$200
APR
22.39%
Credit Check
None / Soft
✓ Pros
- + No credit check — anyone can apply
- + No bank account required
- + Reports to all 3 major credit bureaus
- + Credit limit up to $3,000
- + Accepted everywhere Visa is accepted
✗ Cons
- − $35 annual fee
- − No path to upgrade to unsecured
- − No rewards program
- − No interest earned on deposit
Best For
People with no credit historyRecent bankruptcies (discharged)Those who've been denied everywhere else
Full Card Details
| Card Network | Visa |
| Issuing Bank | Capital Bank |
| Annual Fee | $35 |
| Monthly Fee | $0 |
| APR | 22.39% |
| Deposit Range | $200 – $3000 |
| Credit Line | Equal to your deposit |
| Min Credit Score | None required |
| Credit Check | No credit check |
| Reports to Bureaus | Experian, Equifax, TransUnion |
| Path to Unsecured | No |
| Refundable Deposit | Yes |
Ready to apply for the OpenSky® Secured Visa®?
You'll be taken to the official Capital Bank application page.
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