Card Comparison
OpenSky Launch Secured Visa vs United Club
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
$695/yr
Foreign Fees
None
None
Signup Bonus
None
90,000 points
Spend $5,000 in 3 months
Top Earn Rates
- Select Merchants 10x
- All Other Purchases 1x
- United Purchases 4x
- Dining 2x
- Hotel Stays 2x
Reward Type
cashback
miles
Key Credits
None
- Global Entry/TSA PreCheck Credit $120
- IHG Rewards Credit $120
Card Perks
None listed
- United Club Membership
- Free First and Second Checked Bags
- Premier Access
- +1 more
Transfer Partners
Cash back only
No transfer partners
Common Questions: OpenSky Launch Secured Visa vs United Club
Is the OpenSky Launch Secured Visa or United Club better for dining?
OpenSky Launch Secured Visa has no dining bonus; United Club earns 2x on dining.
Which has the higher signup bonus in 2026?
OpenSky Launch Secured Visa currently offers no current bonus. United Club offers 90,000 pts signup bonus (spend $5,000 in 3 months). United Club has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the OpenSky Launch Secured Visa and the United Club?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. OpenSky Launch Secured Visa is from Capital Bank and United Club is from Chase, so they're governed by separate bank policies.