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 cardholders, able to help with nearly anything, from travel and purchase assistance to directions and restaurant reservations. Although OpenSky does not offer concierge service, plenty of other credit cards do. If the benefit is important to you, some popular credit cards that have a concierge are Chase Sapphire Preferred® Card and Capital One Venture Rewards Credit Card.
The OpenSky credit card doesn't have an actual income requirement. You only need to have enough money to pay your monthly bills and afford at least a $200 security deposit.
Capital Bank, the issuer, will not do a credit check, and you don't need to have a stable income to get approved for it.… read full answer
Since it's a secured card, your initial security deposit of at least $200 will serve as your credit limit. This way you won't be able to spend more than you can afford.
While it might seem like a great opportunity for people without an income or looking to build their credit, let's not forget that this credit card also has a $35 annual fee. You will be charged with it when you open your account.
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