No, the OpenSky doesn't have pre-approval. The issuer does not offer pre-approval through its website. However, OpenSky does not run a credit check when you apply. This means that you won't have to deal with the temporary damage to your credit score that can accompany a hard credit inquiry.

The OpenSky card is a good credit card for people with bad credit who want high approval odds. The downside is that the card has a $35 annual fee but that can be worth it for the chance to rebuild your credit.

If you are trying to re-build your credit and looking for a credit card that offers pre-approval, you can check out our editors' latest picks for the best pre-approved credit cards for bad credit to weigh your options. You can also use WalletHub's CardAdvisor tool. Just answer a few general questions, and CardAdvisor will offer credit card recommendations tailored to you.

You cannot get an OpenSky virtual credit card number through Capital Bank. You can get a virtual card number for an OpenSky credit card through Click to Pay instead, though.

To enroll in Click to Pay with an OpenSky, just click the icon that looks like a box...

OpenSky does not have a sign-up bonus or any ongoing rewards. The main benefits of having the OpenSky are that it offers zero liability protection and reports monthly to the credit bureaus.

If you're in the market for an initial bonus, you can compare the best credit card sign-up...

You can get an OpenSky Credit Card cash advance without a PIN in any bank that displays the Visa logo by requesting it from a teller. You just need to present your credit card and a government-issued photo ID.

But don't forget that a cash advance can be really...

The OpenSky exchange rate is Visa's exchange rate on the date you make a purchase, plus any foreign transaction fees. While Visa exchange rates change daily, the OpenSky foreign fee is always 3% of the transaction.

It's best to use a credit card with no foreign transaction...

No, OpenSky does not have travel insurance. While OpenSky does have benefits such as monthly credit bureau reporting and zero fraud liability, travel insurance is not among the card's perks. This is because the OpenSky credit card is made for people who are trying to rebuild their credit.

If...

To dispute an OpenSky® Secured Visa® Credit Card charge, call Capital Bank customer service at 1 (800) 859-6412. Alternatively, the address to dispute a charge by mail is:

OpenSky® Card Services
PO Box 9224
Old Bethpage, NY 11804-9224

OpenSky disputes are typically resolved within 90 days, though...

The OpenSky credit card doesn't have a 0% APR offer. This card is designed for people with bad credit, while cards with 0% intro APR offers are usually available for people with good or excellent credit.

The OpenSky® Secured Visa® Credit Card does not offer an authorized user bonus, currently. Some credit cards give a bonus for adding an authorized user, though this is a relatively rare feature and OpenSky is not among the cards offering it.

Adding an authorized user to your OpenSky still has...

There is no OpenSky concierge benefit. Cardholders with questions about their account can call 1 (800) 859-6412 for assistance, but the customer service representative won't be able to perform the wide range of services provided by some credit card concierges.

A concierge acts like an on-demand personal assistant for...