opensky® Reviews 13,125

TrustScore 4.5 out of 5

4.5

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Consumers appreciate the positive impact on their credit scores, highlighting the ease of approval and the absence of credit checks during the application process. People feel supported in building responsible credit habits, thanks to user-friendly online tools and helpful customer service. The secured credit card is particularly praised for assisting individuals in starting their credit journey, even with a low credit score or limited credit history. Customers report satisfaction with various aspects of the service, including payments, customer service, user experience, and the overall service and product. Reviewers also value the opportunity to transition to unsecured cards with higher limits as they demonstrate responsible payment behavior. The transparent and straightforward approach of the company is also appreciated by consumers.

Based on these reviews

Rated 5 out of 5 stars
Verified

It is really great that you've helped me begin to build my credit & I recommend your business to anyone who asks. I'm curious why it's taking so long to get my unsecured card? I thought it was arrivin... See more

Rated 4 out of 5 stars
Verified

Open sky, has helped rebuild my credit. Immediately following my bankruptcy, I was bombarded with credit card offers to help me rebuild. I was told about open sky through a friend that had previously... See more

Rated 5 out of 5 stars
Verified

Opensky has been great for building my credit. And the rewards of timely payments have been rewarded with higher credit limits. They are easy to talk to if problems arise. Overall a wonderful experie... See more

Rated 5 out of 5 stars
Verified

This company has been excellent in helping build credit, as well as give great opportunities for increased credit line. I was able to use a prepaid card, then within 6 months was automatically offered... See more

Company replied

Rated 5 out of 5 stars
Verified

I started out with the OpenSky secured credit card to rebuild my credit, and now I’ve been upgraded to their Gold unsecured card. My experience with OpenSky has been great. I’m very excited to see how... See more

Company replied

Rated 5 out of 5 stars
Verified

I personally found it super easy to get approved, even with my low credit score. The card doesn’t require a credit check, which took away a lot of stress during the application. It offers a simple and... See more

Rated 5 out of 5 stars
Verified

I started with no credit history, and the OpenSky® Secured Credit Card helped me build my score in just a few months. I liked that they didn’t require a credit check to apply, and the approval process... See more

Rated 5 out of 5 stars
Verified

Very helpful to people trying to build or reestablish their credit. Assess to higher limits with un secured card with timely payments was great for me. Looking forward to watching my financial further... See more

Rated 5 out of 5 stars
Verified

OpenSky has been there for me in my financial needs, for which I am so deeply grateful. They assisted me to get back on my feet and provided a genuinely easier manner to do so. I cannot thank them eno... See more

Rated 5 out of 5 stars
Verified

My parents moved from my house but instead of doing individual they chose whole house. So for the past 8 monthsy.mail has been getting delivered to a P.O. BOX in Quartzite AZ at a private mail facilit... See more

Rated 5 out of 5 stars
Verified

I’m very pleased with my experience with OpenSky! I was looking to rebuild my credit, so I opened a secured card with OpenSky with no annual or monthly fees. Several months later, they offered me an u... See more

Rated 5 out of 5 stars
Verified

I was looking for a secured credit card to rebuild my credit. Open Sky accepted me when other's turned me down. What won me over is they have no monthly or yearly fees unlike the predator card's. A f... See more

Rated 5 out of 5 stars
Verified

Very easy to open an account a year ago without the best credit, a secured $300 account. I used it responsibly and had no late payments. Last week Open Sky sent me an invite to apply for their non-sec... See more

Rated 5 out of 5 stars
Verified

They have come through for me my score went down because of an accident I had and was left in the hospital for a couple of months and left disabled and when I filed for my benefits it was during the C... See more

Rated 5 out of 5 stars
Verified

I’m glad Open Sky gave me the opportunity to improve my credit. I was able to make payments on the deposit, make multiple payments monthly and increase my credit score increase quickly! I now can get... See more

Company replied

Rated 5 out of 5 stars
Verified

Thank you. Weekend delays pertaining to payments are lame, but otherwise thank you very much for the offer of an unsecured credit card which I will use responsibly. And the no hard inquiry on my credi... See more

Rated 5 out of 5 stars
Verified

I'm extremely satisfied with Opensky Secure Card, because without Opensky my Credit Score NEVER increases...now I'm in good standing and I'm receiving a Gold Credit Card $400 limits and that why Opens... See more

Rated 5 out of 5 stars
Verified

Opensky was the ONLY credit card co.pany ro accept me for a credit card after years of bad credit. I was wanting to fix my credit, since I just had 2 babies and changed my life around, but every other... See more

Rated 5 out of 5 stars
Verified

I have enjoyed using OpenSky for my credit rebuilding needs. The card works well, though not too pleased about the time it takes for account payments to be completed…7 days?!? Well, it gives me... See more

Rated 5 out of 5 stars
Verified

I started years ago with open sky ($300 credit limit.I would pay before time and within 6months I bought my 1st house. I've sold and purchased (3) homes. Great equity, large down payment (80,000 - $10... See more

Rated 3 out of 5 stars
Verified

I give it three stars bc this card helped me repair and build my credit. However, it does have an annual fee. Since this card is an insured card then you put the money up first then you can use your m... See more

Rated 5 out of 5 stars
Verified

Was my first credit card on my credit journey. Still have an account with them and a many more of other different ones, with different company's because of them. They really helped boost my credit. Ju... See more

Rated 5 out of 5 stars
Verified

Reestablishing my credit was very important to me after some life events. I was grateful for my first open sky card and the second one came right on time. I hadn’t even realized so much time I had pas... See more

Rated 5 out of 5 stars
Verified

Great company every time I had to call customer service they were great. Had only had 2 call twice in a year so that’s pretty good odds in there favor that they know what they are doing.

Rated 4 out of 5 stars
Verified

Open Sky secured plus did exactly as promised- gave me a secured credit with no annual fee so I could start building my credit easily and immediately. It reported to the credit bureaus and opened the... See more

Rated 3 out of 5 stars
Verified

I like that opensky gives secured credit card chances to people like me with a not so good credit history. But when you make a payment using your checking account it literally takes about 5 days for i... See more

Rated 5 out of 5 stars
Verified

I did the open sky secured card, made my payments on time every month and in 6 months was offered an unsecured card with a decent credit limit. Having this card has helped increase my credit rating.

Rated 5 out of 5 stars
Verified

Took on a secured card almost a year ago, never a problem, paid early each month trying to keep low balance. Out of nowhere I got a text offering and unsecured OpenSky Gold Visa. Low yearly fee, and10... See more

Rated 5 out of 5 stars

“Account setup was easy, the app is clear, and the recent upgrade info was straightforward—smooth experience so far.”

Rated 5 out of 5 stars
Verified

This credit card company is perfect for people rebuilding or trying to build credit. Over time with they will reward you with an unsecured card with higher limits.

Rated 5 out of 5 stars
Verified

I opened a secure card at first to help boost my credit score. My credit score went up pretty quick. After 7 to 8 months they approved me for a unsecured credit card with no problem… I definitely reco... See more

Company replied

Rated 5 out of 5 stars
Verified

OpenSky has given me the tools I needed to build my credit. I recommend this as an option for those who are not sure where to start when it comes to building credit.

Rated 5 out of 5 stars
Verified

Opensky has been really helpful in getting my credit profile back in track. They also keep you motivated with offering unsecured credit as long as you make your payments on time.

Rated 5 out of 5 stars
Verified

Transparency and ease to pay bills are great with this company. Thats not true for all CC companies. Some make it hard to pay a bill, this process is simple and intuitive.

Rated 5 out of 5 stars
Verified

Opensky has been a great card service provider to help me build my credit back up. Easy to use app as well as great customer service! Would highly recommend too anyone who needs to rebuild there credi... See more

Rated 5 out of 5 stars
Verified

My experience with OpenSky has been nothing short of amazing. When I started, I was looking for a reliable and simple way to rebuild my credit — and OpenSky delivered exactly that. Their secured cre... See more

Company replied

Rated 5 out of 5 stars
Verified

After neglecting my credit when I was younger, I needed a reliable way to start repairing my financial history. OpenSky made this process straightforward and accessible. Approval was fast and easy, wi... See more

Company replied

Rated 4 out of 5 stars
Verified

I appreciate and like my credit card. I do not like the fact that you are unable to call and speak with someone or at least check on the app. There is no way to update your address or telephone number... See more

Rated 5 out of 5 stars
Verified

I was surprised to get the opportunity to improve my credit score and the company made it easy to apply . Thank You

Rated 5 out of 5 stars
Verified

Yes my credit score has increased and continues to rise this was a great investment for myself, had too start with my money but now getting more perks on my investment.

Rated 5 out of 5 stars
Verified

I love my openly and the app is easy to navigate. Help boost my credit score i recommend def for people who want to build on their credit

Rated 5 out of 5 stars
Verified

I've had to call customer service twice. Once to help me activate the card and once because I thought I lost my card. They were very patient and nice and helpful both times. Very quick to follow up on... See more

Rated 5 out of 5 stars
Verified

I have been with OpenSky for many years, They are one of the best ways to build credit Fast. I Have always had Great experiences with them. I would Highly recommend them. 5 Stars 🌟 This is not a pa... See more

Company replied

Rated 5 out of 5 stars
Verified

Have been treated like a queen. Never had an issue and just got a second card. Big move, car payment, emergency no worries. Open sky has your family's back. Wow 👌

Company replied

Rated 5 out of 5 stars
Verified

Opensky is always taking care of me in a timely fashion and my time is valuable, so its much appreciated!

Rated 5 out of 5 stars
Verified

The company is very useful customer support are kind and helpful. Open sky has helped fix my credit

Company replied

Rated 5 out of 5 stars
Verified

Opensky has helped me rebuild my credit, slowly but surely. Their fees are high and their cards do not have tag technology so it does feel a bit outdated. The APR they gave is a little high as well. I... See more

Rated 5 out of 5 stars
Verified

The OpenSky Secured Visa Credit Card is one of the easiest secured cards to get approved for because it requires no credit check to apply. This makes it an ideal starting point for anyone with po... See more

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Company details

  1. #14 of 30 best companies in Bank

About opensky®

Written by the company

At opensky, we want to help every person access credit, by providing opportunities to build, re-build or strengthen their credit. Our goal is to provide the necessary tools people need to be the authors of their own stories – now and in the future. Begin your journey to financial wellness today!

opensky Benefits:

• No credit checks to apply

• No credit risk to apply

• Reports to all three credit bureaus

• Credit line increases

• Consideration for an unsecured credit card

• Monitor your monthly FICO® Score

Don’t delay, apply today!


Contact info

4.5

Excellent

TrustScore 4.5 out of 5

13K reviews

5-star
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1-star

Replied to 41% of negative reviews

Typically replies within 1 week


Rated 1 out of 5 stars
Redirected

DON'T USE, ABSOLUTELY NO SUPPORT

Ripoff takes days to process payment and if something happens and your account is short they then close your ability to make payments from that account, they have no phone number to call and can only make payment through the mail if they close your regular account from being used... I'll take the hit to my credit before I pay anything else to this POS company

December 7, 2025
Unprompted review
Rated 5 out of 5 stars
Verified

Opensky has been great for building my…

Opensky has been great for building my credit. And the rewards of timely payments have been rewarded with higher credit limits. They are easy to talk to if problems arise. Overall a wonderful experience

November 20, 2025
Rated 5 out of 5 stars
Verified

Opensky has helped me rebuild my…

Opensky has helped me rebuild my credit, slowly but surely. Their fees are high and their cards do not have tag technology so it does feel a bit outdated. The APR they gave is a little high as well. I wish customer service were more present in the form of chats and phone.

April 22, 2025
Rated 1 out of 5 stars

This is the most horrible secured…

This is the most horrible secured credit card ever. It has poor customer service, ridiculous made-up fees, and takes forever to post your payments. It also will hold your funds hostage for authorization holds.

November 23, 2025
Unprompted review

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