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 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
N/A APR
Ongoing
17.39% (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
17.39% (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 $38 Fee
Have Questions?
ASK OUR EXPERT!
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ASK OUR EXPERT!
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