Credit Card Offers Capital Bank OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card

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Card

Network

Visa®

Bank

Capital Bank

Issuing

Country

United States

User

MAIN CARD FEATURE

No credit check to apply and find out instantly if you are approved.

GOOD FOR:

Bad Credit No Credit Rebuilding Building Secured Card Visa

CARD DETAILS

No credit check to apply and find out instantly if you are approved.
OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
Get considered for a credit line increase after 6 months, with no additional deposit required
You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
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
*View the cardholder agreement

+ Pros

No credit check to apply.
Possibility to get credit line increase and card upgrade after as few as 6 months.
Monthly reporting to all 3 credit bureaus.

- Cons

Security deposit is required.

PURCHASES

Intro

APR

N/A

Ongoing

APR

21.64% (variable)

Penalty

APR

none

Minimum Grace

Period

25 days

Minimum Interest

Charge

$1.00

BALANCE TRANSFERS

Intro

APR

N/A

Ongoing

APR

N/A

Balance Transfer

Fee

N/A

Penalty

APR

N/A

Minimum Grace

Period

N/A

CASH ADVANCE

Intro

APR

N/A

Ongoing

APR

21.64% (variable)

Cash Advance

Fee

5% ($6 min)

Penalty

APR

none

Minimum Grace

Period

N/A

GENERAL FEES

Application Processing

Fee

See Terms

Annual

Fee

$35

Foreign Transaction

Fee

Late Payment

Fee

Up to $38

OpenSky® Secured Visa® Credit Card

Card Overall Rating

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CONSUMER DISCUSSION