Advertiser Disclosure  |  About Our Ratings
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About Our Ratings

Please note: we are not a lender and do not issue credit or loans ourselves. Instead, we work in partnership with reputable credit card companies and lending institutions to connect you with potential offers. All terms—such as interest rates, fees, and approval criteria—are set solely by the lenders and are beyond our control. We do not make credit decisions, nor do we broker or process online loans or lines of credit. Our role is to share your information with our partners to help match you with available offers. However, submitting your information does not guarantee approval. The operator of this website is not a broker, agent, or representative of any lender or credit provider.

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Advertiser Disclosure

We maintain paid partnerships with certain credit card issuers and lending institutions, which means we may receive compensation when you apply for or are approved for financial products through links on our site. While these relationships may influence how products are ranked or featured, we are committed to providing accurate, honest, and helpful information to assist your financial decision-making. Please note that our listings may not cover every available product or offer from all financial institutions.

Capital Bank

Capital Bank might not always be the first name you think of—but it absolutely deserves a spot on your credit card shortlist. Known for offering accessible credit card options, Capital Bank is especially helpful for those who are new to credit or working to rebuild it. One standout choice is the OpenSky® Secured Visa®, a popular card that doesn’t require a credit check to apply. If you’re looking for a reliable way to build or improve your credit, take a look at the Capital Bank offers below to see if one fits your financial goals.

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OpenSky® Secured Visa® Credit Card

No credit check required – 89% approval rate with zero credit risk to apply!

  • Card Brand

    Visa

  • Credit Recommended

    No credit, Poor, Fair

  • Annual Fee

    $35

  • Regular Purchase APR

    24.64% (variable)

  • Rewards

    Up to 10% cash back rewards

  • Full Details

    Card Page

Highlights

  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • 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
  • Start with just $200—secure your credit line with a refundable deposit
  • 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 1.6 million+ cardholders who have used OpenSky® to build better credit!
Card Details Page