The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Capital Bank offers a secured credit card for personal use. Its primary selling point is that it doesn’t require a credit check during the application process. This means your credit score (or the lack thereof) won’t matter. You can also apply for the card without a checking account.

Featured Credit Cards Offered by Capital Bank

Capital Bank provides a practical solution for those looking to establish or rebuild their credit. It has a low ongoing variable APR and an annual fee of $35. The issuer also reports to all three major credit bureaus. This means that if you use your card responsibly, you can build your credit.

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The Best Capital Bank Credit Cards in 2023

Every month, MoneyGeek evaluates the best Capital Bank credit card based on updates on rewards, welcome bonuses and other criteria.

  • OpenSky® Secured Visa® Credit Card

    Great secured card with no credit check

    • 22.64% (Variable)APR
    • $200Min. Security Deposit
    • $35Annual Fee
    • None–FairRecommended Credit

Rules for Applying, Acceptance & Welcome Bonuses

Before applying for a Capital Bank credit card, you should understand its application rules. MoneyGeek answered some commonly asked questions about the Capital Bank card to make the application process easier for you.

Other Considerations About Capital Bank

It’s important to consider several factors before you apply for a Capital Bank credit card. The table below lists some of the criteria you need to check to determine whether this card is right for you.


Customer Service & Satisfaction

Customer satisfaction is an important factor to consider when selecting a credit card issuer. Capital Bank’s customer service can be reached through phone or mail.

That said, the issuer didn’t rank in J.D. Power’s 2021 U.S. Retail Banking Satisfaction Study and 2021 Credit Card Satisfaction Study.

Mobile Apps & Online Services

Capital Bank has a mobile app that you can download on iOS and Android. It lets you manage your OpenSky account and stay on top of your finances. You can also see your minimum payment due and recently posted transactions.

The app has a 2.5 rating on the Apple App Store and 3.1 rating on Google Play.

Security & Credit Monitoring Services

Capital Bank protects your personal and financial information using firewall systems, intrusion detection software and 128-bit Secure Socket Layer (SSL) encryptions. For a lost or stolen card, you can call Capital Bank’s customer service number.

Loyalty Programs & Other Issuer Perks

Capital Bank doesn’t provide a loyalty program for its cardholders. However, since the card is a Visa, it has benefits, such as worldwide acceptance, fraud protection and roadside assistance.

Authorized Users

You can add authorized users by calling the number on the back of your card. This can be done once you’ve been approved for an account, not during the application process.

Keep in mind that Capital Bank charges a fee for adding authorized users to your card.

Purchase Protection

OpenSky Secured Visa cardholders are protected from unauthorized purchases with $0 fraud liability coverage.

Co-Branding & Partnerships

Capital Bank doesn’t have partnerships with any consumer brands.

Other Products Offered

Aside from its credit card, Capital Bank also offers personal checking accounts, health savings accounts, individual retirement savings accounts, business checking accounts, zero balance accounts, home financing and more.

Overall Opinion of Capital Bank & Their Credit Card Offerings

Capital Bank’s credit card is a solid option for those looking to qualify for a secured card due to a poor credit score or lack of a bank account. The card reports to all three major credit bureaus, which can help you establish a good credit history. It also lets you set your credit limit and your payment schedule.

However, the card has an annual fee of $35 and a minimum deposit of $200. Another downside is that it doesn’t upgrade your account to an unsecured credit card. Considering all these factors, the OpenSky Secured Visa credit card is best suited for the following:

  • boyThinking icon

    Individuals with poor or no credit

    Since Capital Bank doesn’t pull your credit during the application process, your credit score won’t matter.

  • businessOwner icon

    Individuals who don’t mind annual fees

    Capital Bank charges an annual fee. You will have to pay $35 yearly to keep your OpenSky Secured Visa Credit Card.

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"Applying for a Capital Bank credit card can be an appealing option for consumers who don't want an inquiry on their credit report. You can easily apply without it affecting your credit. Once approved, you can build your credit score with responsible use of the card. As your score increases over time, you'll be able to apply for credit cards from other issuers that have better benefits or no annual fees."

- Lee Huffman, credit card expert at

Still Not Sure About This Issuer? Consider These Options.

If you’re still undecided about getting the Capital Bank credit card, you can explore options in different categories. You may find that a balance transfer card or a cash back card is a better fit for you.

Learn more about credit cards in general

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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