In your OpenSky Credit Card application, we will ask for your name, address, date of birth, and other information that will allow us to identify you. You may be asked to provide your driver’s license or other identifying documents.

OpenSky is the most accessible solution for people looking to establish or rebuild their credit. With no credit check or bank account required to apply, an impressive 88% average approval rate*, and a low refundable deposit, we’re making it easy for everyone to access the opportunities they need to impact their best future.

OpenSky Secured Visa Credit Cards require a refundable security deposit that’s equal to your credit limit (for example, $200 down means you have a $200 limit). This enables you to open an account without a credit check, so you can still get a card and use it right away to improve your record—regardless of your history.

Yes! OpenSky is one of the few issuers that doesn’t require a linked checking account to apply. Simply choose to pay your security deposit at a later date on your application. Then, after you've been approved, you will receive an email back with instructions on how and where to fund your account.

Applications are usually processed immediately. If your application is approved you will know immediately and also receive an email. After application approval and processing of your security deposit, your credit card is made and then mailed to you. This can take up to 12-14 business days.

In some instances, we may need clarification on information provided in your application prior to approval. If we do, we will send you an email or a text notification. Your responsiveness to these questions will determine the timing of receipt of your credit card.

Always be on the look-out for emails from OpenSky. Please note: this email address does not receive incoming emails.

Regular email updates are sent to applicants providing the status of their application throughout the entire process. To ensure you are receiving our emails, please add OpenSky to your contact list. You can also check the status of your application anytime! Simply visit www.openskycc.com and click on the Check Application Status link to request online access. We will ask you to verify a few pieces of information and then we will send you an email with a unique one-time passcode that will give you access to the status of your application.

Federal law requires that all financial institutions know and confirm their customer’s identity according to the USA Patriot Act. The USA Patriot Act was created to help the government fight the funding of terrorism and money laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that identifies each individual or entity opening an account.

We will notify you with an email from OpenSky once your application has been approved. Upon receiving and processing your security deposit, your credit card is made and then mailed to you. This can take up to 12-14 business days.

Please allow up 12-14 business days from the date of your approval letter to receive your new credit card. If you have not received your card within this time, please contact us by calling 1-800-859-6412. We will review your account to determine if there has been any unauthorized charges and a new card will be issued.

Capital Bank, N.A., is a publicly traded bank headquartered in Rockville, MD. that has offered a range of financial services to businesses and consumers since 1999, in addition to owning and operating a nationwide mortgage business and card company, OpenSky®. Member FDIC. An Equal Housing Lender.

An OpenSky Secured Credit Card is designed specifically to help you quickly grow and improve credit by providing monthly reporting to the three major bureaus, built-in line increases, accessible tools that promote good spending habits, and turbocharged growth. All of these things work together to improve your FICO score month after month, and help you reap the rewards of financial wellness.

Credit cards help you build your credit by reporting your purchasing and payment activities to the three major credit bureaus. Automatic monthly reporting, good spending habits, and on-time monthly payments all help to establish a history of financial responsibility that actively grows and improves your credit history over time.

Visit www.openskycc.com and click the blue MyAccount button located at the top. You will be directed to the online account management login page.

On a mobile device: Select the Menu option at the top and click Activate Card. Simply follow the instructions.

On a desktop: Look for the bright green Activate Card button on the top right. Simply follow the instructions.

Yes. This is a great way to build credit while keeping your monthly expenses the same. Simply select this credit card as your payment method of choice when setting up automatic bill pay for your other bills.

We report credit card account information with the credit bureaus once a month at the time your billing statement is generated.

You can close your account at any time by contacting our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card.

Your security deposit will be returned to you once your account is closed and the balance is paid in full. We may use your security deposit to expedite the pay down of your outstanding balance. In certain circumstances it can take eight (8) weeks however, it generally takes less than four (4) weeks to receive your security deposit refund in the mail.

Please refer to your Card Agreement for additional details related to your security deposit.

Your security deposit will be returned to you once your account is closed and the balance is paid in full. We may use your security deposit to expedite the pay down of your outstanding balance. In certain circumstances it can take eight (8) weeks however, it generally takes less than four (4) weeks to receive your security deposit refund in the mail.

Please refer to your Card Agreement for additional details related to your security deposit.

Yes. Login to MyAccount from the blue button located at the top of the screen at www.openskycc.com, or bookmark MyAccount as one of your favorites and log in whenever you need.

You can make monthly credit card payments using the following methods:

Via the OpenSky Mobile App or online account management- you can sign up for Auto-Pay and schedule recurring, monthly payments, or set up one-time payments.

Send in a check with the remittance slip that is included in your monthly billing statement.

You can update your contact information online. Visit www.openskycc.com and click the blue MyAccount button. Log into your account, select the Account Services tab, and click on Update Contact Information.