Card
Visa®
Network
Visa®
Bank
Capital Bank
Issuing
United States
Country
United States
User
Consumer
Category
Consumer
Card
Secured
Type
Secured
Credit
Bad/No
Recommended
Bad/No
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
N/A APR
Ongoing
24.64% (variable) APR
Penalty
none APR
Minimum Grace
25 days Period
Minimum Interest
$1.00 Charge
BALANCE TRANSFERS
Intro
N/A APR
Ongoing
N/A APR
Balance Transfer
N/A Fee
Penalty
N/A APR
Minimum Grace
N/A Period
CASH ADVANCE
Intro
N/A APR
Ongoing
24.64% (variable) APR
Cash Advance
5% ($6 min) Fee
Penalty
none APR
Minimum Grace
N/A Period
GENERAL FEES
Application Processing
See Terms Fee
Annual
$35 Fee
Foreign Transaction
3% Fee
Late Payment
Up to $41 Fee
Have Questions?
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