Card
Network

Visa®
Bank

Capital Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Secured
Credit
Recommended

Bad/No
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

No credit check required – 89% approval rate with zero credit risk to apply!

CARD DETAILS

  • 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!
+ Pros
  • Cash back rewards on everyday purchases.
  • No credit check to apply.
  • Monthly reporting to all 3 credit bureaus.
- Cons
  • Security deposit is required.

PURCHASES

Intro
APR

N/A
Ongoing
APR

24.64% (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

24.64% (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

3%
Late Payment
Fee

Up to $41
Card Overall Rating
APPLY
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