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

Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments

CARD DETAILS

  • 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
APR

N/A
Ongoing
APR

25.64% (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

25.64% (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 $40
Card Overall Rating
APPLY
Have Questions?
ASK OUR EXPERT!
ASK YOUR QUESTION

SEE OTHER RECOMMENDED OFFERS

CONSUMER DISCUSSION
NEED CREDIT OFFERS THAT SUIT YOUR STATE?
Choose your credit history and state and we will show you some great options
NEXT>
HERE ARE THE BEST DEALS FOR YOU
< BACK
SORRY!

Nothing was found, please check Best Credit Cards of 2024 to see more options for you!