OpenSky Secured Visa Credit Card

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OpenSky Secured Visa Credit Card

One of the biggest barriers to building credit is not having a bank account. If you don’t have either, the OpenSky Secured Visa Credit Card from Capital Bank, N.A. can help you, and for a reasonable price. You won’t need any credit at all to get a card, and you won’t need a bank account either, although you may need to find some creative ways to pay the security deposit and your bill.

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pros and cons

No credit check needed

No bank account needed

Reports to three credit bureaus

No rewards

No FICO score

No path to move up to a better product


Annual Fee


Purchase APR

17.39% (V)

Foreign Transaction Fee


Cash Back


Credit Score


Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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Related Credit Card/Article

The OpenSky Secured Visa card is meant to be a stepping stone. You'll know you've reached the next step when you're comfortable managing your card responsibly and your credit score has improved, which you'll need to keep track of through a free credit score service since you don’t
Details of prosNo credit check needed: Many secured credit cards require a credit check, which further dings your credit score and may result in a rejected application. Because this card doesn't, you eliminate the worry of further credit damage or a rejection. No bank account needed: Unlike
This credit card is best for someone who’s looking to build credit with a card that doesn’t require a credit check or even a bank account at all to get started. Secured cards in general don’t require good credit to be approved, but they’ll usually still check your credit. The OpenSky Secured
Apply onlineSearch for the official websiteFollow the requirement and entry the needed messages.
Via the OpenSky Mobile App or online account management- you can sign up for Auto-Pay and schedule recurring, monthly payments, or set up one-time payments.Send in a check with the remittance slip that is included in your monthly billing statement.