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OpenSky Secured Visa Credit Card

in Personal Credit Cards

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OpenSky Secured Visa Credit Card

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in Personal Credit Cards

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Overview

Who is this credit card designed for?

OpenSky Secured Visa Credit Card is a secured credit card issued by Capital Bank, which is based in Horsham, PA.  Secured cards are a type of credit card that is backed by a secured payment, which is used as collateral. These cards are often used by borrowers with poor credit or little credit history to help build their credit.

OpenSky Secured Visa Credit Card is designed for people with a credit score of 300 to 700.

This card has a credit limit of $3000.

What are the relevant APRs?

OpenSky Secured Visa Credit Card has a variable purchase APR starting at 19.14%.

It also has a variable cash advance APR starting at 19.14%.

Is an introductory APR offer available?

No, OpenSky Secured Visa Credit Card does not come with an introductory APR offer for balance transfers.

OpenSky Secured Visa Credit Card does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to OpenSky Secured Visa Credit Card:

  • An annual fee of $35. Make sure the rewards and benefits of this card justify the cost of the annual fee.
  • A late payment penalty of $27.
  • A returned payment fee of $25.
  • There is no overlimit fee
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

No, OpenSky Secured Visa Credit Card does not offer a rewards program.

Is a signup bonus offered?

OpenSky Secured Visa Credit Card doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

OpenSky Secured Visa Credit Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 OpenSky Secured Visa Credit Card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus
  • Does OpenSky Secured Visa Credit Card report your account activity to credit bureaus?

    OpenSky Secured Visa Credit Card reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion

    Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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    Contact

    • Headquarters
    •   P.O. Box 539
      Horsham, PA 19044 USA
    •   Visit Site

    Message from Capital Bank

    Build better credit NOW for more possibilities TOMORROW. OpenSky® can help you get — and stay — on the road to better credit.

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    No Fees
    Grace Period for Late Payment (Days)
    25
    Over-Limit Fee
    $0
    List of Fees
    Late Payment Penalty
    $27
    Returned Payment Fee
    $25
    Minimum Interest Charge
    $1
    Annual Fee
    $35
    Foreign Currency Transaction Fee
    3%
    Minimum Age
    18
    Credit Score Range
    300 - 700
    850 300 700
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Customer Type
    Personal
    Credit Card Benefits
    • Fraud Liability
    Percentage
    Purchase APR
    (Variable APR)
    Starting at
    19.14%
    Percentage
    Cash Advance APR
    (Variable APR)
    Starting at
    19.14%
    Balance Computation
    average daily balance (including new purchases)
    Credit Limit
    3000

    Reviews

     
     

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