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Capital Bank: OpenSky® Secured Visa® Credit Card
Apply Online
Credit Suggested: Bad / No
Bank
Capital Bank
Card Network
Visa®
Card Type
Secured
Card Category
Consumer

Card Description

  • No credit check to apply and find out instantly if you are approved.
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • *View the cardholder agreement

Card Rating

  • Overall Rating:
  • Interest Rates:
  • Maintenance Fees:
  • Features & Benefits:
  • Customer Service:
  • Reward Program:

Everyday Card Use

Purchases:

  • Intro APR (Intro Period) N/A
  • Regular APR 18.14% (variable)
  • Penalty APR none
  • Minimum Grace Period 25 days

General Fees:

  • Annual Fee $35
  • Application Processing Fee See Terms
  • Late Payment Fee Up to $38
  • Foreign Transaction Fee 3%

Balance Transfer

APR on Balance Transfers:

  • Intro APR (Intro Period) N/A
  • Regular APR N/A
  • Penalty APR N/A

Balance Transfer Fees:

  • Bal. Tr. Fee Minimum N/A
  • Bal. Tr. Fee N/A
  • Bal. Tr. Fee Maximum N/A

Cash Advance

APR on Cash Advance:

  • Intro APR (Intro Period) N/A
  • Regular APR 18.14% (variable)
  • Penalty APR none

Cash Advance Fees:

  • Min. Cash Advance Fee $6
  • Cash Advance Fee 5% ($6 min)
  • Max. Cash Advance Fee N/A

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