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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 necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

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 19.14% (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 19.14% (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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