OpenSky® Secured Visa® Credit Card
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- Earn up to 10% cash back on everyday purchases
- No credit check required – 89% approval rate with zero credit risk to apply!
- 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 just $200—secure your credit line with a refundable 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!
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards |
|---|---|---|---|---|---|---|
| Fair Credit, Limited Credit, Poor Credit | Secured | $35 | N/A* | N/A* | 24.64% (variable) | None |
OpenSky® Secured Visa® Credit Card Quick Summary:
This Visa offer is issued by Capital Bank N.A.. This is a secured card that does not issue a traditional line of credit. The purchase APR is 24.64% (variable).
Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is an annual fee of $35 for this card.
Rewards:
This is not a rewards card. It is normal for cards for fair and poor credit histories to not offer rewards.
Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect applicants with troublesome credit histories. A FICO credit score of 497 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.
FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Capital Bank N.A. product.
Other Basics:
The grace period listed for the OpenSky® Secured Visa® Credit Card is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.
Uses for this type of card may include budgeting funds, adding deposits for later use, building a credit rating (if issuer reports to the credit bureaus), and possibly more.This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment (subject to available credit).
Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by
submitting your application results to assist other applicants before they apply for this card.
This card has a very poor approval or acceptance rate. Since this is a card for fair credit, numerous factors may influence this rate, including the APR, fees, or past applicants credit record and income levels. Furthermore, if your FICO score is close to or higher than 497, then your chance of approval
may be even greater.
Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.
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