OpenSky

OpenSky is the credit card brand of Capital Bank, N.A., built around one product: a secured Visa that requires no credit check. Approval is based on your deposit and identity verification, not your credit history, which makes it a common first stop after bankruptcy or for applicants with no credit file at all.

Application Rules

▸No hard pull, no credit check: approval is based on deposit and identity
▸Reports to all three bureaus from month one

Tracked OpenSky Cards

OpenSky Secured VisaOpenSky

No credit check at all. Approval rests on your deposit, not your past.

Terms under review AF: Under reviewRating: 5.8/10

Full ReviewOffer Under Review

OpenSky Plus Secured VisaOpenSky

OpenSky's no credit check approval, now without the annual fee.

Terms under review AF: Under reviewRating: 6.4/10

Full ReviewOffer Under Review