OpenSky® Plus Secured Visa® Credit Card
No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
Bad/No
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CARD TYPE: SecuredSecured credit cards require a secured deposit on a bank account. These cards are intended for people with limited credit history.
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WHO CAN GET IT: ConsumerThese credit cards are for the average consumer who needs a credit card for personal use.
- New feature! Earn up to 10% cash back on everyday purchases
- No annual fee
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- 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
- Secure your credit line with a refundable security deposit - as low as $300.
- Easy application, apply in less than 5 minutes right from your mobile device
- Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
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PURCHASES
- Intro APR on Purchases:
- N/A
- Regular APR:
- 29.99% (variable)
- Minimum Grace Period:
- See terms
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BALANCE TRANSFERS
- Intro APR on Balance Transfers:
- N/A
- Regular APR:
- N/A
- Balance Transfer Fee:
- N/A
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CASH ADVANCE
- Intro APR on Cash Advances:
- N/A
- Regular APR:
- 29.99% (variable)
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FEES
- Annual Fee:
- $0
- Application Processing Fee:
- See terms
Questions & Answers about the card:
Yes. The OpenSky secured card is reported to the three major credit bureaus monthly. Therefore, making your monthly credit card payments on time can help build your credit history. Skipped or missed credit card payments are also reported, so try to avoid being late. Late payments can easily damage your credit score.
The credit card issuer will refund your security deposit after you close your credit card account and pay off the card balance in full. To get you deposit back, you should contact the credit card issuer and request a refund.
If you charge your credit card up to the available credit limit, you should pay off all or a part of the balance before you can continue using your credit card and to avoid possible penalty fees. If you fail to make timely monthly payments, then your card will be considered overdue, which will be reported to the credit bureaus and will lower your credit score. If you are unable to pay off your card balance, you should contact customer service at the number shown on the back of your card.
Currently the OpenSky secured credit card cannot be updated to an unsecured account. Capital Bank does not offer unsecured credit cards for consumers. You can keep your secured card as an oldest credit account to continue building a good credit history.