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Build better credit NOW for more possibilities TOMORROW

OpenSky® can help you get — and stay — on the road to better credit.

It’s not just possible. It’s doable.

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OpenSky Card

No bank speak. Just straight talk.

You’re here to build your credit. Let’s get started

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Remember, there’s no credit check to get started.

OpenSky Card

It's not just possible. It's doable.

The tools and support you need to build better credit now and in the future:

  • No credit check
  • Apply in less than 5 minutes
  • You set your credit line

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OpenSky Card
How It Works

How it works

The OpenSky® Secured Visa®Credit Card is a secured credit card that’s not only packed with features, it’s also a powerful credit-building tool. You're in control … you make it happen.

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Card Experience

Credit Experience

We don’t check your credit when you apply. Instead of being offered a credit line based on your past credit history, you choose your credit line and secure it by making a one-time, refundable deposit .

Your Refundable Deposit

The refundable depositt you make when opening your account is important, because it means you can open an account without a credit check. So, if you have a poor credit history or even no history at all, you can still get a credit card and use it right away to start improving your score.

The deposit is held in an FDIC-insured account, and the full amount (less any amounts owed) will be returned to you after your account is closed. That’s why people say it’s like the security deposit you make when renting an apartment.

t Refer to the terms of the agreement.

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Credit 101

Build Your Know-How

Get the facts on the best way to build your credit, plus stories from real OpenSky® customers on what they’re doing to get where they want to be.

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Thousands of people have chosen the OpenSky® Secured Visa® to improve their credit, because it makes it easy to build better credit.

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Thank you, OpenSky® card.  You have helped me fix my credit score from 564 to 616 within a three-month period so far.  Since I have opened the card, I also got a credit increase, because I've been making consecutive, on-time monthly payments."

-Maurice, OpenSky® Cardholder

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© 2018 OpenSky® is issued by Capital Bank N.A. About Capital Bank N.A.

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You are now leaving the OpenSky® website. OpenSky and its parent Capital Bank N.A. do not endorse or guarantee the information, products, or services made available in this website. Capital Bank is not liable for any failure of products or services noted in this website. Please carefully review the security policies and privacy policies of any website that you visit. Web site security of this website may be less than the security of the OpenSky website or any associated Capital Bank N.A. website.