Capital Bank, N.A.
Why We Choose It
The opensky Plus Secured Visa Credit Card is a secured card from opensky with a $300 minimum deposit, no annual fee and a 28.24% variable APR. It reports to all three credit bureaus, and declined applications don't affect your credit score. It suits someone starting or rebuilding credit who can put down a deposit.
Pros & Cons
Pros
- $300 minimum security deposit
- No impact to your credit score if declined
- Reports to all three credit bureaus
Cons
- $300 minimum deposit, the highest of the three opensky cards
- 28.24% variable APR
- A security deposit is required
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