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.