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Capital Bank Offers

4
Card Overall Rating
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Get considered for an unsecured credit line increase after 6 months - no additional deposit
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Reports to all 3 major credit bureaus monthly to establish and build credit history.
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Regular APR
29.99% (variable)
Annual Fee
$0
Instant Response
No
Credit Bureaus Reporting
Yes
4
Card Overall Rating
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
  • 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
  • Join over 1.2 million cardholders who’ve used OpenSky to build their credit
Regular APR
25.64% (variable)
Annual Fee
$35
Instant Response
No
Credit Bureaus Reporting
Yes

Establishing and Rebuilding Credit with OpenSky

Open Sky is a division of Capital Bank, a mid-sized bank that is focused on serving the needs of business owners. The division is designed to offer the OpenSky Secured credit card that helps cardholders to build or rebuild their credit.

The OpenSky credit card comes with several cardholder benefits and conveniences. The card is easy to use, and it comes with credit lines ranging from $200 to $3,000. In addition, this card also allows cardholders to easily build their credit by reporting all credit card information to major credit bureaus. This card comes with a quick application process, along with no credit check.

Some benefits of having the OpenSky credit card include an interest-free grace period and the ability to build your credit at your own pace. This card also allows cardholders to fund their security deposit in four ways which include electronic transfers, wire transfers, Western Union or mailing checks and money orders. In addition, this card can be used anywhere Visa credit cards are accepted.

Aside from the OpenSky credit card, Capital Bank offers several different personal banking products which include the personal checking, personal interest checking, money market accounts and more as well as several personal loan options. Additionally, they offer business banking accounts for business owners.

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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

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Ask Our Experts or Read Credit Card FAQs
Yes. The OpenSky® Secured Visa® Credit Card is reported to the three major credit bureaus monthly. As this card is secured it requires a deposit to act as collateral on your credit card account. To build your credit make sure you make your monthly...
Currently the OpenSky® Secured Visa® Credit Card cannot be updated to an unsecured account. Capital Bank does not offer unsecured credit cards for consumers. You can keep your secured card as the oldest credit account to continue building a good credit...
In order to get your deposit back you need to close your credit card account and pay your card balance in full. After you paid your card off, contact the credit card issuer to request a refund of your security deposit. ...
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