Credit Cards for 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. 

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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.

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Deposit Options: Debit card funding. 

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 1.6 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.