OpenSky Launch Secured Visa
Issued by Capital Bank
Reviewed by the CardCurator Editorial Team
Before you apply
Use this quick check so you click out only when the offer and fee structure really fit.
- Best fit: strongest ongoing earning is 10x on Select Merchants.
- Annual fee: No annual fee.
- Who should skip: people chasing premium perks, lounge access, or outsized transfer-partner upside.
- What happens next: you will leave CardCurator for the issuer or partner application page in a new tab.
Confirm current issuer terms and approval rules before you submit an application.
Earning Categories
Maximize Your OpenSky Points
Expert tips to get the most value from this program
Program Overview
OpenSky is a secured and entry-level credit card program designed for credit-building. The OpenSky Secured Visa earns a small amount of cashback (typically 1%) and is primarily used to build or rebuild credit history with no credit check required. Rewards are minimal and the program is not designed for points optimization. Best for: consumers with no credit history or damaged credit who need a secured card to build credit. Not recommended for rewards optimization.
Earning Tips
OpenSky cards earn basic cashback (1% on purchases). The primary benefit is credit building, not rewards earning. Keep utilization below 30% and pay on time each month to improve credit score.
Redemption Tips
Cashback redeems as statement credit at 1¢/point. No travel redemptions or transfer partners. Rewards are minimal — the main purpose of this card is credit building, not rewards maximization.
Compare This Card
See how the OpenSky Launch Secured Visa stacks up against other cards side by side — fees, bonuses, earn rates, and more.
Approval Insights
Recent community application data for this card. Issuers make the final decision, but this gives you a public read on how similar applicants have been doing lately.
How to use this
- Use the approval summary as a signal, not a guarantee.
- Combine it with issuer rules like 5/24, Amex lifetime language, and velocity limits.
- Open the full approval page to see recent datapoints, profile bands, and notes.
Most card pages stop at a generic credit-score range. CardCurator layers real community submissions on top of card detail, rewards value, and application strategy.
Frequently Asked Questions
- What is the annual fee for the OpenSky Launch Secured Visa?
- The OpenSky Launch Secured Visa has no annual fee.
- What is the best category to use the OpenSky Launch Secured Visa for?
- The OpenSky Launch Secured Visa earns 10x on Select Merchants, making it the strongest earning category for this card.
- Does the OpenSky Launch Secured Visa charge foreign transaction fees?
- No, the OpenSky Launch Secured Visa does not charge foreign transaction fees, making it a good choice for international purchases.
- How much are OpenSky points worth?
- OpenSky points are worth approximately 1.00¢ per point on average, with premium redemptions reaching up to 1.00¢ per point. Values based on industry estimates including The Points Guy and NerdWallet.
Ready to Get the OpenSky Launch Secured Visa?
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