OpenSky Secured Visa Featured on Designing Spaces

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Last updated on February 15th, 2024

The OpenSky Secured Visa is one of the most popular secured credit cards for those looking to improve their credit score. The card recently made an appearance on Designing Spaces, Lifetime’s award-winning home improvement show.

Linnea Kronmiller, OpenSky’s senior vice president, discussed the difficulties many Americans face when trying to rebuild their credit – or establish a credit history for the first time. Speaking with Designing Spaces host, Olga Villaverde, Kronmiller explained the secured credit card process – including the remarkable results consumers can experience in as little as one month.

Secured Cards Offer a DIY Approach to Credit Repair

Repairing credit and home improvement may seem like two completely different topics, but they share significant similarities. Like restoring an outdated home to reclaim its inner beauty, secured cards help those with a damaged credit give their personal finances a makeover and a new lease on their future.

Secured cards work by placing a security deposit, which is equal to the initial credit limit. If you deposit $200, for example, your credit limit will be $200. Once an account is open, you simply use your secured card anywhere that payment network is accepted worldwide. In the case of the OpenSky, that means the Visa Network – the largest payment network in the world.

What Makes the OpenSky Secured Visa Such a Great Option for Repairing Credit?

While many American consumers haven’t heard of secured credit cards, they play a crucial role in helping to boost bad credit. Among those cards, the OpenSky continues to receive acclaim by reducing the roadblocks people face when attempting to repair their credit.

What makes the OpenSky such a popular option? Here are a few of its most notable features:

  • No Credit Check: Capital Bank, which issues the OpenSky Visa, does not do a hard pull on your credit report when you apply. This means being approved for the OpenSky Visa won’t dent your credit score.
  • Quick, Simple Application: Applying for the OpenSky card takes a few minutes. The process is straightforward and easy, meaning you can apply for the card and get a decision almost instantly.
  • Regular Credit Reporting: Like other secured cards, OpenSky reports to the major credit bureaus every month. Make your payments on time and keep your credit use low, and your score can jump by 30 points or more in a matter of months.
  • Free Credit Repair Resources: OpenSky provides cardholders with an extensive collection of credit repair and credit knowledge information. It also offers a selection of inspirational stories to help boost morale – and confidence – for those with imperfect credit.

OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card
Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor / No Credit Required
Visa Processing Network
$35 Annual Fee

OpenSky® Secured Visa® Credit Card

  • 25.64% (variable) Regular Purchase APR
  • 25.64% (variable) Cash Advance APR

At a Glance

The OpenSky® Secured Visa® is a secured credit card that offers requires a low minimum deposit and features no credit checks for approval. The card, issued by Capital Bank, provides an easy route to better credit by offering credit limits as low as $200, a moderate fixed-rate APR, and a reasonable $35 annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • New feature! Earn up to 10% cash back on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information
  • Regular Purchase APR: 25.64% (variable)
  • Cash Advance APR: 25.64% (variable)
  • Cash Advance Transaction Fee: Either $6 or 5% of the amount of each cash advance, whichever is greater.
  • Annual Fee: $35
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $25
  • Minimum Deposit Required: $200
  • You're struggling to get accepted for other secured credit cards
  • You don’t have a credit history
  • You have bad credit and want to improve your credit score
  • You have a large deposit and want a quick pick-me-up for their credit score
  • You want access to a useful knowledge base of credit information and resources
OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card

Terms & Conditions

About Designing Spaces

Designing Spaces is an award-winning home improvement show on the Lifetime Network. The show, which began in 2005, features innovative décor designs, DIY projects, and transformations that inspire families to tackle their home improvement challenges.


Editorial Disclosure – The opinions expressed on's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.

About: Cory Santos
Cory Santos

Cory is the senior credit card editor at BestCards, specializing in everything credit card-related. He’s worked extensively with credit cards and other personal finance topics, including nearly five years at BestCards. Cory’s extensive knowledge is an essential part of the BestCards experience, helping readers to live their best financial lives with up-to-date insights and comprehensive coverage of all facets of the credit card space, including market trends, rewards guides, credit advice, and comprehensive credit card reviews.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.