Get your OpenSky® Secured Visa® Card

Designed for those who want to improve their credit score, but have had difficulty getting a credit card because of a low score, or no credit.

Open Sky Credit Card

OpenSky® Secured Visa® Credit Card: Important Disclosures

Please take a moment to carefully review the Pricing Information and Terms & Conditions below.

PRICING INFORMATION

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

19.14%

This APR will vary with the market based on the Prime Rate plus a margin.

APR for Cash Advances

19.14%

This APR will vary with the market based on the Prime Rate plus a margin.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases, provided you have paid your previous balance in full by the due date each month. We will begin charging interest on cash advances on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.Consumerfinance.gov/learnmore


FEES

Annual Fee

$35 annually.

Transaction Fees

  • Cash Advance

  • Foreign Transaction

 

  • $6 or 5% of the amount of each Cash Advance; whichever is greater.

  • 3% of each Transaction in U.S. dollars

Penalty Fees

  • Late Payment

  • Returned Payment

 

  • Up to $27

  • Up to $25

STATE NOTICES

TERMS & CONDITIONS AND ADDITIONAL DISCLOSURES

CONSENT TO ELECTRONIC COMMUNICATIONS

SECURITY AGREEMENT AND PLEDGED DEPOSIT ACCOUNT DISCLOSURES