Credit Card Offers Capital Bank OpenSky Launch Secured Visa® Credit Card

OpenSky Launch Secured Visa® Credit Card

APPLY

Card

Network

Visa®

Bank

Capital Bank

Issuing

Country

United States

User

MAIN CARD FEATURE

Affordable payments – minimum payment as low as $10

GOOD FOR:

Bad Credit No Credit Building Rebuilding Visa Cash Back Secured Card

CARD DETAILS

Start building credit with just $100 – secure you line with a low, refundable security deposit
No credit check required – 89% approval rate with zero credit risk to apply!
Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
Earn up to 10% cash back on everyday purchases
Affordable payments – minimum payment as low as $10
Boost your credit score fast—2 out of 3 OpenSky^® cardholders see an average increase of 47 points after 6 months
Track your progress with free access to your FICO^® score in our mobile app
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
Fast and easy application—apply in minutes with our mobile-first experience
Flexible payment options—pick a due date that works for you
More time to fund—spread your security deposit over 60 days with layaway
Join 1.6 million+ cardholders who have used OpenSky^® to build better credit!

+ Pros

Cash back rewards.
No credit check to apply.
Low refundable security deposit.
Reports to all 3 major credit bureaus.

- Cons

Annual fee.

PURCHASES

Intro

APR

N/A

Ongoing

APR

28.99% (variable)

Penalty

APR

None

Minimum Grace

Period

See Terms

Minimum Interest

Charge

See Terms

BALANCE TRANSFERS

Intro

APR

N/A

Ongoing

APR

N/A

Balance Transfer

Fee

N/A

Penalty

APR

N/A

Minimum Grace

Period

See Terms

CASH ADVANCE

Intro

APR

N/A

Ongoing

APR

28.99% (variable)

Cash Advance

Fee

5% ($6 min)

Penalty

APR

None

Minimum Grace

Period

See Terms

GENERAL FEES

Application Processing

Fee

See Terms

Annual

Fee

$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.

Foreign Transaction

Fee

Late Payment

Fee

Up to $41

OpenSky Launch Secured Visa® Credit Card

Card Overall Rating

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CONSUMER DISCUSSION