19 reviews · averaged over every published review, unweighted
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OpenSky offers secured Visa credit cards for people building or rebuilding their credit, issued with Capital Bank. You pay a refundable security deposit and your credit limit matches it. The company markets the cards as not requiring a credit check and says it reports to the three major US credit bureaus. Its own pages are not consistent on whether a credit check happens, so check the current terms before applying.
The variable APR differs across the company’s own pages; see its card terms for the current rate.
I have read the bad reviews but my experience has been the opposite. OpenSky started me on a $200 secured card, graduated me to unsecured with a limit increase, and my score went from the low 500s to the 700s.
Date of experience: October 30, 2026
The card is fine and approval was instant. When I pay, the balance updates the same day but the available credit can take most of a week, so I have to plan purchases around it.
Date of experience: October 25, 2026
I pay weekly and the money leaves my account, but the available credit does not move for days. For a card meant for everyday spending that is a real problem.
Date of experience: October 12, 2026
Three days of a white screen or a spinning logo on two different phones. I can log in on the website, so at least my money is there, but the app is unusable.
Date of experience: September 28, 2026
Started with $200, used it for groceries and paid it off every month. Within six months they offered an unsecured card with a $400 limit, no extra deposit. The app still needs a redesign, but the card does what it promises.
Date of experience: September 20, 2026
They sent me a replacement card I never requested, charged $59, and added a late fee before the card reached my mailbox. I am still disputing it.
Date of experience: September 15, 2026
I froze my card from the app and could not find any way to unfreeze it. Called at midnight and was told security was closed until morning. A freeze button should have an unfreeze button next to it.
Date of experience: September 12, 2026
A $3 paper statement fee that cannot be switched off in the app, a $40 returned payment fee that used to be $25, and six to eight weeks to get the deposit back. The fees cost more than the credit I built.
Date of experience: August 19, 2026
I almost did not apply because of the reviews. A year in, I have had no issues: payments post, the score reports, and my FICO has gone up 60 points. Pay early and it works.
Date of experience: August 14, 2026
Login works, payments work, but the interface is years behind every other card I have. Dark mode, clearer statements and mobile wallet support would go a long way.
Date of experience: August 3, 2026
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OpenSky also has a profile on Trustpilot. Those reviews weren’t posted on SaidByCustomers and don’t count toward a rating here.