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Capital Bank Offers

4
Card Overall Rating
Bad / No Credit
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Regular APR
18.89% (variable)
Annual Fee
$35
Instant Response
Yes
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 service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

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Ask Our Experts or Read Credit Card FAQs
Yes. The OpenSky secured Visa 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 credit...
Currently the OpenSky secured 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 an 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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