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
Earn up to 10% cash back on everyday purchases
CARD DETAILS
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- 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
- Start with as little as $300 – Secure your line with a refundable security deposit
- 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 annual fee.
- No credit check to apply.
- Monthly reporting to all 3 major credit bureaus.
PURCHASES
Intro
N/A APR
Ongoing
28.99% (variable) APR
Penalty
none APR
Minimum Grace
See terms Period
Minimum Interest
See terms Charge
BALANCE TRANSFERS
Intro
N/A APR
Ongoing
N/A APR
Balance Transfer
N/A Fee
Penalty
none APR
Minimum Grace
See terms Period
CASH ADVANCE
Intro
N/A APR
Ongoing
28.99% (variable) APR
Cash Advance
$10 or 3% of the amount of each Cash Advance; whichever is greater. Fee
Penalty
none APR
Minimum Grace
See terms Period
GENERAL FEES
Application Processing
See terms Fee
Annual
$0 Fee
Foreign Transaction
3% of each Transaction in U.S. dollars. Fee
Late Payment
Up to $41 Fee
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