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Capital Bank Offers

5
Card Overall Rating
  • No annual fee – keep more money in your pocket!
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Earn up to 10% cash back on everyday purchases
  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with as little as $300 – Secure your line with a refundable security deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!
  • Rates & Fees
Regular APR
28.24% (variable)
Annual Fee
$0
Instant Response
No
Credit Bureaus Reporting
Yes
5
Card Overall Rating
  • Start building credit with just $150 – secure you line with a low, refundable security deposit
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
  • Earn up to 10% cash back on everyday purchases
  • Affordable payments – minimum payment as low as $10
  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!
  • Rates & Fees
Regular APR
28.24% (variable)
Annual Fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
Instant Response
No
Credit Bureaus Reporting
Yes
4
Card Overall Rating
  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200—secure your credit line with a refundable deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!
  • Rates & Fees
Regular APR
23.89% (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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