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

Build credit quickly. OpenSky reports to all 3 major credit bureaus.

CARD DETAILS

  • 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.
+ Pros
  • Reports to all 3 credit bureaus.
  • No Credit Check.
  • No checking account necessary.
- Cons
  • Security deposit is required.

PURCHASES

Intro
APR

N/A
Ongoing
APR

19.39% (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

19.39% (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 $27
Card Overall Rating
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