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 to apply and find out instantly if you are approved.

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
  • 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
  • Enjoy protection from unauthorized purchases with $0 fraud liability
    *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

17.39% (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

17.39% (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 $38
Card Overall Rating
APPLY
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