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
LIMITED TIME OFFER: 0% introductory APR on all purchases for the first six months
CARD DETAILS
- LIMITED TIME OFFER: 0% introductory APR on all purchases for the first six months
- 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.)
- *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
0% (first 6 months on Purchases) 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!
ASK YOUR QUESTION
ASK OUR EXPERT!
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