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Capital Bank Offers

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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.
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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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Here are FICO scores for each credit rating: - Excellent: 750-850 - Good: 700-749 - Fair: 640-699 - Bad: 350-639 The scoring model of different credit bureaus may slightly differ because each credit bureaus uses its own formula but the average...
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