Can the IRS take money that's owed to them because of back taxes?
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OpenSky® Secured Visa® Credit Card
OpenSky® Secured Visa® Credit Card
No Credit Check
No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
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Sponsored Card
APR6,486Reviews207Q&AContact
APRWalletHub ReviewQ&ACustomer Reviews
No Credit Check
No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
Accepted Credit Scores
Accepted Credit Scores
Limited History, Bad Credit
Minimum Security Deposit
$200
Fees
One-Time Fees$0
Annual Fee$35
Monthly Fee$0
APR on Purchases
21.64% (V)
WalletHub Review
by John Kiernan
February 8th, 2023
OpenSky Pros & Cons
Reasonable $35 annual fee
$200 minimum deposit
3% foreign transaction fee
OpenSky's Additional Info
| cash advance fee | 5% (min $6) |
| cash advance APR | 21.64% (V) |
| foreign transaction fee | 3% |
| smart chip | Yes, chip-and-signature |
| max late fee | $38 |
| max overlimit fee | $0 |
| max penalty APR | None |
No credit check to apply and find out instantly if you are approved.
OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
Get considered for a credit line increase after 6 months, with no additional deposit required
You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
Easy application, apply in less than 5 minutes right from your mobile device
Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
* View the cardholder agreement
Open Sky Credit Card FAQ
Can't find what you are looking for? Submit your question about OpenSky® Secured Visa® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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W this card can you by food and clothes
1
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I have the card I want to increase my limit
1
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Can you open a joint account with a relative
1
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When do you get your deposit back?
1
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If I deposit $800 to start, can I request a decrease down to $300 later?, and will I get my $500 back without having to close the account?
1
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Are there any Capital Bank branch locations?
1
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Best unsecured credit card for people with bad credit
1
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Can I have my business name printed on the Opensky credit card?
1
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Marie Mirarchi-Case
You cannot have your business name printed on the OpenSky credit card. They do not offer personalization at this time.
How long does it take to get it
1
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Compare The OpenSky
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR21.64% (V)
Regular APR18.24% (V)
Regular APR29.74% (V)
Rewards RateNone
Rewards RateNone
Rewards RateNone
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OpenSky Video Review
OpenSky Reviews
Share your insights and review the OpenSky® Secured Visa® Credit Card
3.5
6,486 reviews
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1 Star Rating
Horrible! Horrible! Horrible!!
They take FOREVER to update your payment (between 5-8 days). They are inconsistent with their reporting to the credit company with sometimes reporting on the 1st and sometimes on the 17th of the month. Additionally I keep my credit utilization at below 17% and somehow their inconsistent reporting and late payment updates keep making my score drop. I am beyond ANGRY!!! DO NOT USE OPENSKYY. Use Chime instead.
They take FOREVER to update your payment (between 5-8 days). They are inconsistent with their reporting to the credit company with sometimes reporting on the 1st and sometimes on the 17th of the month. Additionally I keep my credit utilization at below 17% and somehow their inconsistent reporting and late payment updates keep making my score drop. I am beyond ANGRY!!! DO NOT USE OPENSKYY. Use Chime instead.
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1 Star Rating
Stay away from this credit card company. They are incompetent, unprofessional, predatory and the quality of their services is extremely low. I am going through a nightmare process of having my card revoked and being charged for fraudulent purchases. They don’t do anything right and will simply tell you: I am sorry about that.
Also, you are smarter than having to use a credit card that is built to take advantage of your situation.
Also, you are smarter than having to use a credit card that is built to take advantage of your situation.
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1 Star Rating
The company says they Want to help you build credit. That’s a lie. I put 2k down for my secured card. Well I never activated it and subsequently never used the card, obviously. They charged me a late fee of $38 and then again a late fee, all of which I did not even think about since I never activated the card. Well they sent a delinquent notice in and my credit score dropped precisely 30 points..... What kind of business is this? I have called them several times and cannot get hold of anybody. They have no Email. Only snail mail address. This is about as crooked as you can get!!!
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Why didn't you cancel the card after the first fees were charged? You put 2k down and never activated the card, so the 2k just sat there, while you incurred fees?
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I don't think you have to activate it for that annual fee to hit. It's automatic. You should have received a bill though. They send the bill and then you can switch to paperless to save that $3 fee.
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Failed payments drop your credit score...once you pay the unpaid amount your credit goes back up..the more payments you miss the bigger the hit...you got a card to help your credit and immediately failed to make payments....worse...you put 2k somewhere...and forgot about it...didn't care? I'll issue you a card for that right now! ;)
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1 Star Rating
Worst Credit Card Company EVER if they can call themselves a "Credit Card Company" I called the Corporate office and got the same CSR from the number I previously called, talk about a SHAM..They offer nothing as far as Advancement towards an Unsecured Credit Card or even a Higher limit. I sadly chose this company thinking they could Help Me re-build my credit smh All I received was fraudulent information and inflated fees on MONEY I GAVE THEM, I REPEAT I GAVE THEM $200 and they gave me Extravagant Late Fees and LIES during the Holidays in a PANDEMIC!!! #MovingMyMoney #CapitalOne #HereICome
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5 Star Rating
Verified CustomerI’ve had my OpenSky card for a year now, and it has helped my score so much that I now have unsecured cards and my score continues to grow. Yes, they may be slow at reporting payments, but your score isn’t going to go up from 1 payment anyways. The longer you hold on to it and keep it below 30% of your card's limit, you’ll start to see real results in about 6 months. I pay my cell phone bill automatically every month and my bank automatically pays them in return. I basically do nothing and build my credit. THIS is what this card is meant for! Good luck!
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1 Star Rating
Do not get this card they are not helpful with their customers they blame you!! For the their mistakes! The are not helpful in resolving the issues please find another card to start your credit this is a bad card!! Run run run and don't look back
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1 Star Rating
This credit card is horrible. This is 2020, when you make a payment on a credit card IT SHOULD NOT TAKE 8 DAYS TO POST. I will leave this card with a zero balance from this day forward. Useless card
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1 Star Rating
Ever since i paid to get a credit increase on my opensky card I haven't seen the full amount at all. I have a 1000 limit but i pay the total bill and it never fully goes to a 1000. You can't get customer service and if you luck up and do they are short and rude with you. Don't get this card
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5 Star Rating
Verified CustomerI was finally able to buy a home after repairing my credit with the help of Open Sky Visa card. I paid on my card timely and it brought my credit score up. It was the best decision I made when getting this card. It made all the difference in raising my credit score
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I did the same thing in 2018!
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5 Star Rating
Verified CustomerGreat card for rebuilding credit. The card has a limit equivalent to your security deposit. Never had any issues and it helped to rebuild my credit in a relatively short time and Opensky has been very straightforward to deal with.
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Review OpenSky® Secured Visa® Credit Card
Expert Thoughts on OpenSky
To help potential applicants learn more about the OpenSky Secured Credit Card, WalletHub posed the following questions to a panel of experts. You can see who they are and what advice they had to share below.
- When do you think it makes sense to seek out a credit card with no credit check for new applicants?
- Should consumers be suspicious of credit cards that don’t check applicants’ credit history?
- What should people look for when evaluating a credit card brand/company they’ve never heard of?
Paul Prabhaker
Professor of Marketing, Associate Dean Emeritus, College of Business, Northern Illinois University
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Professor of Marketing, Associate Dean Emeritus, College of Business, Northern Illinois University
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Justin Virrey
Lecturer, University of California, Davis - Graduate School of Management
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Lecturer, University of California, Davis - Graduate School of Management
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Pramod Iyer
Ph.D., Assistant Professor, Middle Tennessee State University
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Ph.D., Assistant Professor, Middle Tennessee State University
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Diogo Hildebrand
Ph.D., Assistant Professor of Marketing, Zicklin School of Business, Baruch College, City University of New York
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Ph.D., Assistant Professor of Marketing, Zicklin School of Business, Baruch College, City University of New York
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Offer last updated: Feb 8th, 2023 at 11:16 ET