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. Zero credit risk to apply!
CARD DETAILS
- Limited Time Offer: $51 funding voucher applied for all new accounts. Get a $200 credit line for $149. Click "APPLY NOW" to see additional terms and conditions.
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Join over 1.2 million cardholders who’ve used OpenSky to build their credit
+ 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
25.64% (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
25.64% (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 $40 Fee
Have Questions?
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