CardCompareHub

opensky® Launch Secured Visa® Credit Card

VISA Cash Back Rewards

Advertiser Disclosure: CardCompareHub may earn compensation from card issuers, affiliate networks, and other partners. Compensation may affect how and where offers appear, including their order, but advertisers do not control our editorial analysis. Terms apply.

opensky® Launch Secured Visa® Credit Card

Credit Score

300 680
No Credit - Fair
Apply Now On Capital Bank N.A.'s secure website Terms apply. Approval is not guaranteed.

Annual Fee

$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.

Rewards Rate

10%

Foreign Fee

3%

Purchase APR

N/A

Balance Transfer APR

N/A

Regular APR

28.24% (variable)

Rates & fees apply. View the Rates & Fees.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Capital Bank N.A..

OpenSky Launch is a secured card with a small first-year annual fee billed monthly, a moderate variable APR, an unusually low minimum security deposit, no credit check required, and cash back on everyday purchases at participating merchants.

The low deposit floor is one of the lowest in the secured-card market, and the no-credit-check feature opens this card to borrowers who can't pass any credit underwriting at all. OpenSky's high reported approval rate suggests this is the bottom-of-the-funnel option for credit access. The cash back applies only at specific participating merchants — outside those, you're not earning rewards. As a credit-building tool, it works; as a long-term keeper, the fees outweigh the value once you have alternatives.

Card Details

  • Start building credit with just $150 – secure your line with a low, refundable security deposit
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
  • Earn up to 10% cash back on everyday purchases
  • Affordable payments – minimum payment as low as $10
  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 2 million+ cardholders who have used opensky® to build better credit!
Also in: Top Credit Cards 2026 Cash Back Rewards

opensky® Launch Secured Visa® Credit Card

Ready to apply? Visit the issuer's secure site.

Apply Now On Capital Bank N.A.'s secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.