OpenSky® Secured Visa® Credit Card

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OpenSky® Secured Visa® Credit Card
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Card Rating:
Credit Recommended:
Card Rating:
Credit Recommended:
BAD / NO
Bank:
Capital Bank
Card Network:
Visa®
User Category:
Consumer
Card Type:
Secured
Issuing Country:
United States

About this Credit Card:

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.

Interest Rates & Fees

Everyday Purchases
Introductory APR:
n/a
Ongoing APR:
18.39%
Penalty APR:
22.50%
Minimum Grace Period:
25 days
Minimum Interest Charge:
$1.00
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Balance Transfer
Introductory APR:
n/a
Ongoing APR:
n/a
Balance Transfer Fee:
n/a
Penalty APR:
22.50%
Minimum Grace Period:
n/a
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Cash Advance
Ongoing APR:
18.39%
Cash Advance Fee:
5% ($6 min)
Penalty APR:
22.50%
Minimum Grace Period:
n/a
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Other Fees
Application Processing Fee:
Annual Fee:
$35
Late Payment Fee:
Up to $27
Foreign Transaction Fee:
3%
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Expert Review

Our Expert's Valuation:

pluses
Reports to all 3 credit bureaus.

pluses
No Credit Check.

pluses
No checking account necessary.

minuses
Security deposit is required.

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User comments about OpenSky® Secured Visa® Credit Card: