You’re pre-approved*
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
Easy application, apply in less than 5 minutes right from your mobile device
No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
Excellent option for a low fully refundable security deposit, get started with just $100
Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
Earn up to 10% cash back on everyday purchases
Minimum payment as low as $10
Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
Monitor your credit progress with free access to your FICO Credit Score.
Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
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”
**Pre-Approved means that you have met the initial criteria for this credit card; however, your application may be rejected if any of the following apply: You are a non-United States resident; the social security number you provide is invalid or we are unable to verify your identity under federal law; you are under 18 years old; your monthly expenses are greater than your monthly income; you lack sufficient income or assets to pay the monthly payment required for this card; you have two or more open credit card accounts with Capital Bank; or your account history on any current or previous relationship with Capital Bank is not in good standing.