Card Comparison
OpenSky Secured Visa vs United Club Business
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
8,000 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 Secured Visa vs United Club Business
Is the OpenSky Secured Visa or United Club Business better for dining?
OpenSky Secured Visa has no dining bonus; United Club Business earns 2x on dining.
Which has the higher signup bonus in 2026?
OpenSky Secured Visa currently offers no current bonus. United Club Business offers 8,000 pts signup bonus (spend $5,000 in 3 months). United Club Business 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 Secured Visa and the United Club Business?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. OpenSky Secured Visa is from Capital Bank and United Club Business is from Chase, so they're governed by separate bank policies.