top of page



Capital Bank - OpenSky® Secured Visa ® Credit Card


Bad Credit
No Credit

  • APR for Purchases: 17.39% (variable)

  • 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.

  • 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.

The First Progress Platinum Elite MasterCard® Secured Credit Card


Fair Credit
Bad Credit

  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History

  • Build Credit Faster with 6 reporting cycles per month.  (You will be assigned the fastest of 6 reporting cycles a month)

  • With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received.  Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.

  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file!

  • No Credit History or Minimum Credit Score Required for Approval

  • Quick and Complete Online Application

  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!

  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application

  • Nationwide Program – though not yet available in NY, IA, AR, or WI

  • APR for purchases = 19.99%

  • Annual Fee = $29

First Access Card


Bad Credit

  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online

  • Reporting monthly to all three major credit reporting agencies

  • Perfect credit not required for approval; we may approve you when others won’t

  • Easy and secure online application; Checking account required

  • $300 Credit Line (subject to available credit)

  • Receive your card more quickly with optional Expedited Processing (additional fee applies)

  • Get a result in as little as 60 seconds upon completion of the online application

  • Online Customer Center available 24 x 7

  • Issued by The Bank of Missouri, Member:  FDIC

  • This program is not currently available in New York or Wisconsin.

Build credit while you save

How it works

Build credit while saving money, starting at $25^ per month.

  • Apply for a Credit Builder Account.

            Your money is safe and secure.

  • Pay off your Credit Builder Account in the specified amount of time.

            You can choose the payment term and dollar amount that best fits your budget.

  • Each on-time monthly payment builds credit history and adds to your savings.

            Your monthly payments are reported to all three credit bureaus.

  • Unlock your savings.

            Once you’ve paid off your Credit Builder Account, your CD unlocks and the money is yours (minus fees and interest).



bottom of page