Rated 3.3 out of 5 on average, Secured credit cards. Every review is listed below in full, unfiltered. Back to the OpenSky profile.
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
My account was locked and the only options were a phone line and a mailing address. No chat, no email, no way to send documents. I gave up and moved to another card.
Date of experience: June 10, 2026
Called after my card was declined abroad and a supervisor had a replacement out the same week. This seems to depend a lot on who answers, but I got lucky and they were great.
Date of experience: June 2, 2026
I came for the credit building and stayed because the free FICO score inside the app is more useful than the one my bank gives me. Still cannot pay with a debit card without calling.
Date of experience: May 30, 2026
Checks and ACH only. If you want to pay by debit you have to call and pay a $10 fee. The credit building works; the payment system feels like it is from another decade.
Date of experience: April 22, 2026
The deposit is mine, so why does a payment take ten days to release the limit? I kept the card because closing it would hurt the age of my credit, but I use it as little as possible.
Date of experience: March 4, 2026
No rewards, no cashback, no app gimmicks. It reports to the bureaus, the deposit is refundable, and my score is up 40 points in eight months. That is exactly what I paid for.
Date of experience: November 18, 2025
I made a manual payment two weeks early and autopay still took a payment that then bounced, and I was charged a $25 returned payment fee. Nobody could reverse it.
Date of experience: June 26, 2025
Opened the card in 2021 to rebuild after a divorce and it has done the job. The app used to be slow but it has improved and I can see my FICO inside it now.
Date of experience: November 20, 2024
I read every negative review before applying. Almost a year in I have had zero issues, the card is accepted everywhere, and paying from checking has been simple.
Date of experience: January 25, 2024