Easy Solutions

Credit Needed
Bad Credit
No Credit

You're pre-approved*

Earn up to 10% cash back on everyday purchases
No credit check required – 89% approval rate with zero credit risk to apply!
Boost your credit score fast—2 out of 3 openSky® cardholders see an average increase of 47 points after 6 months
Track your progress with free access to your FICO® score in our mobile app
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
Start with just $200—secure your credit line with a refundable deposit
Fast and easy application—apply in minutes with our mobile-first experience
Flexible payment options—pick a due date that works for you
More time to fund—spread your security deposit over 60 days with layaway
Join 2 million+ cardholders who have used opensky® to build better credit!

**Pre-Approved means that you have met the initial criteria for this credit card; however, your application may be rejected if any of the following apply: You are a non-United States resident; the social security number you provide is invalid or we are unable to verify your identity under federal law; you are under 18 years old; your monthly expenses are greater than your monthly income; you lack sufficient income or assets to pay the monthly payment required for this card; you have two or more open credit card accounts with Capital Bank; or your account history on any current or previous relationship with Capital Bank is not in good standing.

Rates & Fees: https://app.openskycc.com/files/tc-sky1-073.pdf

Credit Needed
Fair Credit
Good Credit
Excellent Credit
Bad Credit
No Credit

MAGNUM is the largest credit builder in the nation, allowing you to build $2,000 to $30,000 of installment credit with an average 86-point FICO score increase. We’re for when you have cash, but not credit.

Build substantial payment history on a large cash-secured bank loan at a low monthly payment while we report to the 3 credit bureaus.

88-Point Average FICO® Score Increase
Build $1,000 to $25,000 of credit starting at $16/mo
The largest and longest credit builder accounts in the nation with 10-year terms and no prepayment or cancellation fees
MAGNUM helps you build a large amount of credit with low monthly payments
Not everyone needs MAGNUM-sized accounts, but they may be right for you, if you want to unlock higher credit limit credit cards, access higher-value personal loans and maximize your potential credit score increase

*Individual results may vary, terms and conditions may apply  

Sample loans: $28/mo, 48 mos, $15 admin fee, 15.61% APR; $38/mo, 24 mos, $15 admin fee, 15.73% APR; $48/mo, 24 mos, $15 admin fee, 15.51% APR; $49/mo, 60 mos, $25 admin fee, 6.99% APR; $99/mo, 60 mos, $99 admin fee, 7.21% APR; $199/mo, 60 mos, $25 admin fee, 7.31% APR; $30/mo, 120 mos, $25 admin fee, 7.86% APR; $60/mo, 120 mos, $25 admin fee, 7.86% APR; $125/mo, 120 mos, $25 admin fee, 7.86% APR; $175/mo, 120 mos, $25 admin fee, 7.15% APR; $350/mo, 120 mos, $25 admin fee, 7.15% APR;

Credit Needed
Bad Credit
No Credit

You're pre-approved*

Start building credit with just $150 – secure you line with a low, refundable security deposit
No credit check required – 89% approval rate with zero credit risk to apply!
Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
Earn up to 10% cash back on everyday purchases
Affordable payments – minimum payment as low as $10
Boost your credit score fast—2 out of 3 openSky® cardholders see an average increase of 47 points after 6 months
Track your progress with free access to your FICO® score in our mobile app
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
Fast and easy application—apply in minutes with our mobile-first experience
Flexible payment options—pick a due date that works for you
More time to fund—spread your security deposit over 60 days with layaway
Join 2 million+ cardholders who have used opensky® to build better credit!

**Pre-Approved means that you have met the initial criteria for this credit card; however, your application may be rejected if any of the following apply: You are a non-United States resident; the social security number you provide is invalid or we are unable to verify your identity under federal law; you are under 18 years old; your monthly expenses are greater than your monthly income; you lack sufficient income or assets to pay the monthly payment required for this card; you have two or more open credit card accounts with Capital Bank; or your account history on any current or previous relationship with Capital Bank is not in good standing.

Rates & Fees: https://app.openskycc.com/files/tc-sky1l-013.pdf

Credit Needed
Fair Credit
Bad Credit
No Credit

Choose the First Latitude Assent Card and enjoy $0 Annual Fee!

Secure your credit line with your refundable security deposit – choose from $200- $2,000. With the ability to increase up to $5,000 over time!
Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
Designed to push you forward on your credit building journey with $0 Annual Fee.
Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion. ¹
All credit types welcome to apply!
Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Deposit Options: Debit card funding.

Click for Disclosure

Credit Needed
Fair Credit
Bad Credit

Get a First Progress Select Card and Earn 1% Cash Back Rewards!

Choose the First Progress Select Card for a lower annual fee!
All credit types welcome to apply!
Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
Secured Cards are a great way to start establishing credit for people with low/no credit scores¹
Get a fresh start! A discharged bankruptcy in your credit file will not cause you to be declined
Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Click for Disclosure

Deposit Options: Debit card funding.

Credit Needed
Fair Credit
Good Credit
Excellent Credit
Bad Credit

Yendo works like a regular Mastercard but taps into your vehicle equity to get higher limits at affordable rates

Submit an application with photos of your vehicle and receive an instant decision
See if you Pre-Qualify in minutes without harming your credit score - all credit scores welcome to apply
Looking to build or rebuild your credit? We report to the 3 major credit bureaus monthly
$4,400 average credit limit - up to $10,000
Earn 1.5% unlimited cash back on card purchases every time you make a payment. See yendo.com/rewards for details

Requirements:

Credit Application Review
Vehicle must be 2011 or newer
Vehicle value must be > $1K
Applicant must have an open Checking Account
Applicants must have some monthly income

See all terms and conditions prior to applying

Credit Needed
Fair Credit
Good Credit
Excellent Credit
Bad Credit
No Credit

The Self Visa Credit Card is a secured credit card, meaning it’s backed by your own money. To open your account, you’ll make a security deposit of at least $100¹. That deposit becomes your credit limit, which is the amount you can spend with the card.

Best For: Building or rebuilding credit
No Hard Credit Check
High Approval Rates
Reports to the three major credit bureaus
Fund the secured Self Visa® Credit Card with a minimum security deposit of $100
Be automatically considered for a higher credit line in just 6 months—no extra deposit needed
$0 intro annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49% as of 1/1/2026. Offer valid for new customers only.

¹ Self is not a bank. Secured Self Visa Credit Card issued/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A. See self.inc/visa-secured-credit-card for details including important rate and fee information.

Credit Needed
Fair Credit
Bad Credit

Earn 1% Cash Back Rewards with First Progress Prestige!

All credit types welcome to apply!
Apply now and fund your security deposit over 90 days with the option to make partial payments.
You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹
Secured Cards are a great way to start establishing credit for people with low/no credit scores.¹
Get a fresh start! A discharged bankruptcy in your credit file will not cause you to be declined.
Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Deposit Options: debit card funding.

Click for Disclosure

Credit Needed
Fair Credit
Bad Credit
No Credit

Multiple Ways to Build Credit.

A CreditStrong account is the fusion of a secured consumer installment loan and a savings account. During the life of your CreditStrong account you build both credit history and savings.

Instantly build revolving credit with no minimum monthly payment required with CreditStrong Revolv
Build installment credit and savings with low fixed monthly payments with CreditStrong Instal
Build supersized installment credit with supersized plans with CS MAX

Credit Needed
Fair Credit
Good Credit
Bad Credit
No Credit

You're pre-approved*

No annual fee – keep more money in your pocket!
No credit check required – 89% approval rate with zero credit risk to apply!
Earn up to 10% cash back on everyday purchases
Boost your credit score fast—2 out of 3 openSky® cardholders see an average increase of 47 points after 6 months
Track your progress with free access to your FICO® score in our mobile app
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
Start with as little as $300 – Secure your line with a refundable security deposit
Fast and easy application—apply in minutes with our mobile-first experience
Flexible payment options—pick a due date that works for you
More time to fund—spread your security deposit over 60 days with layaway
Join 2 million+ cardholders who have used opensky® to build better credit!

**Pre-Approved means that you have met the initial criteria for this credit card; however, your application may be rejected if any of the following apply: You are a non-United States resident; the social security number you provide is invalid or we are unable to verify your identity under federal law; you are under 18 years old; your monthly expenses are greater than your monthly income; you lack sufficient income or assets to pay the monthly payment required for this card; you have two or more open credit card accounts with Capital Bank; or your account history on any current or previous relationship with Capital Bank is not in good standing.

Rates & Fees: https://app.openskycc.com/files/tc-sky1p-018.pdf

Credit Needed
Bad Credit
No Credit

The Arro Card is a digital and physical credit card with starting credit lines up to $200, that can grow up to $2,500 over time

Get up to $200 with the unsecured Arro Card.
Earn 1% cash back on gas & groceries, including Walmart and Target
Instantly increase your credit limit as you master your personal finances in the Arro app.
Reports to all 3 credit bureaus.
No hard inquiry to apply.
Apply in 10 minutes or less.

Bank and Income Requirements

Applicants must have a bank balance greater than $50 and have a recent positive bank balance. Also, applicants must earn more thatn $1000/month, on average over the prior 3 months. Income can include government benefits or student loans that cover living expenses.

Steps to Sign up

Download the Arro app
Complete your application by providing information required to verify your identity and by connecting a bank account
Start using your Arro Card!

The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.

We made it easy to apply for a credit card online!

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