Back to Compare Engine
2026 Head-to-Head Audit • US Market

OpenSky® Plus Secured Visa®
vs
Capital One Savor Cash Rewards Credit Card

Skip the marketing fluff. Below is the side-by-side breakdown of fees, yield/rewards math, fine-print restrictions, and the exact household profile each product is built for.

Choose OpenSky® Plus Secured Visa® If...

No credit check required to apply with $0 annual fee and reporting to all 3 credit bureaus.

  • No hard credit pull means zero risk to your existing credit score
  • Guaranteed consideration even with past bankruptcies, foreclosures, or charge-offs
Primary Catch: Requires a minimum $300 deposit ($100 higher than most secured cards)
Choose Capital One Savor Cash Rewards Credit Card If...

Unlimited 3% cash back on dining, grocery stores, entertainment, and popular streaming with a $0 annual fee and 0% foreign transaction fees.

  • Uncapped 3% cash back on both dining AND grocery stores with $0 annual fee
  • 0% foreign transaction fees makes it one of the best $0-fee cards for dining and groceries in Europe, Asia, or Latin America
Primary Catch: Walmart, Target, and wholesale clubs (Costco/Sam’s Club) code as discount stores/warehouse clubs and earn 1% instead of 3%
Metric / Feature

OpenSky® Plus Secured Visa®

Capital Bank, N.A.
★ 4.7 / 5.0

Capital One Savor Cash Rewards Credit Card

Capital One
★ 4.9 / 5.0
Verified 2026 Financials & Terms
Annual / Platform Fee—$0
Annual Fee$00
Regular APR / Rates29.99% Variable APR19.24% - 29.24% Variable
Welcome Bonus / Match—$200 Cash Bonus (After $500 Spend in First 3 Months)
Foreign Transaction Fee3% of each transaction0%
Credit / EligibilityNo Credit Check Required (Any Score)Good to Excellent (690+ FICO)
Core Features & Ecosystem Perks
Included Benefits
  • No Credit Check to Apply
  • $0 Annual Fee
  • Reports Monthly to Equifax, Experian & TransUnion
  • Graduation Pathway to Unsecured Card
  • Instant Online Application Decision
  • Unlimited 3% Cash Back on Dining, Grocery Stores, Entertainment & Streaming
  • 8% Cash Back on Capital One Entertainment Tickets & 5% via Capital One Travel
  • $0 Annual Fee & 0% Foreign Transaction Fees Worldwide
  • 0% Intro APR for 15 Months on Purchases and Balance Transfers
  • Convert Cash Back 1:1 into Capital One Miles When Paired with Venture X
Editorial Pros & Cons
Where It Wins (Pros)
  • No hard credit pull means zero risk to your existing credit score
  • Guaranteed consideration even with past bankruptcies, foreclosures, or charge-offs
  • $0 annual fee on the Plus version eliminates carrying costs
  • Reports to all three major bureaus every billing cycle
  • Uncapped 3% cash back on both dining AND grocery stores with $0 annual fee
  • 0% foreign transaction fees makes it one of the best $0-fee cards for dining and groceries in Europe, Asia, or Latin America
  • If you also hold Capital One Venture X, you can convert Savor cash back into transferable airline miles (turning 3% into 3x miles)
Fine-Print Drawbacks (Cons)
  • Requires a minimum $300 deposit ($100 higher than most secured cards)
  • 3% foreign transaction fee on international purchases
  • No rewards or cash back program
  • Walmart, Target, and wholesale clubs (Costco/Sam’s Club) code as discount stores/warehouse clubs and earn 1% instead of 3%
  • Capital One pulls all three credit bureaus (Equifax, Experian, TransUnion) on application
Fee & Foreign Spend Cost Audit

Annual Holding Cost & Overseas Trip Impact

Annual Fee Comparison
OpenSky® Plus Secured Visa®: $0 vs Capital One Savor Cash Rewards Credit Card: $0

Always subtract the annual fee from your projected annual rewards before evaluating headline multipliers.

$3,000 International Vacation FX Surcharge
OpenSky® Plus Secured Visa®: $90 fee (3% of each transaction) • Capital One Savor Cash Rewards Credit Card: $0 fee (0%)

A 3% foreign transaction fee wipes out 3% in rewards on every international hotel, restaurant, or flight billed in foreign currency.

In-Depth Breakdown: OpenSky® Plus Secured Visa® vs Capital One Savor Cash Rewards Credit Card

1. How OpenSky® Plus Secured Visa® Works

The OpenSky Plus Secured Visa is designed for consumers who have experienced severe financial hardship, bankruptcy, or who have no US credit history and cannot risk a credit check rejection. Because OpenSky does not pull your credit report to make an approval decision, applicants with any credit score (or none at all) can open an account, provide a refundable deposit, and start reporting positive payment history immediately.

2. How Capital One Savor Cash Rewards Credit Card Works

Formerly known as SavorOne, the Capital One Savor Cash Rewards Credit Card is the ultimate $0-annual-fee food and entertainment card. It pays unlimited 3% cash back across four major everyday categories—dining, grocery stores (excluding superstores like Walmart and Target), live entertainment (concerts, movie theaters, pro sports, theme parks), and popular streaming services—plus 8% cash back on Capital One Entertainment tickets and 5% on hotels and rental cars booked through Capital One Travel, all with 0% foreign transaction fees.

Frequently Asked Questions

Should I choose OpenSky® Plus Secured Visa® or Capital One Savor Cash Rewards Credit Card?

Choose OpenSky® Plus Secured Visa® if you prioritize No hard credit pull means zero risk to your existing credit score. Choose Capital One Savor Cash Rewards Credit Card if you want Uncapped 3% cash back on both dining AND grocery stores with $0 annual fee.

What is the biggest catch with OpenSky® Plus Secured Visa® vs Capital One Savor Cash Rewards Credit Card?

With OpenSky® Plus Secured Visa®, the main limitation to keep in mind is: Requires a minimum $300 deposit ($100 higher than most secured cards). With Capital One Savor Cash Rewards Credit Card, the primary trade-off is: Walmart, Target, and wholesale clubs (Costco/Sam’s Club) code as discount stores/warehouse clubs and earn 1% instead of 3%.