Does OpenSky have a secured business card?
1
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M Preacher
No, there is no business version of OpenSky secured credit card.
If you need a secured business card, I would suggest you take a look at these two great options:
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
APR6,484Reviews207Q&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
January 25th, 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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Why would Open Sky require you to pay money before receiving your card?
1
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If I want a $3,000 credit limit, how much of a deposit do I have to put down on the card?
1
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Marie Lepinsky
$3,000. Whatever you put down as a security deposit is what your limit will be.
Will this card help me build my credit score?
1
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Can I get a credit card with no checking account?
1
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When or how is the security deposit refunded?
1
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Can you use the OpenSky Credit Card to make payments through PayPal?
1
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How do I apply for the Opensky Credit Card?
1
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Nancy K
To apply for the Opensky credit card, just press that big orange “Apply Now” button at the top of the card's page, here. Once you press it, you'll be taken to Capital Bank's website to fill in your information.
If I put a $200 deposit then load $600, can I use it or I can only use $200?
1
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How long does it take for a payment to be posted to my account?
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
6,484 reviews
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1 Star Rating
Do not get a card from this bank!
They are under investigation by the Federal Trade Commission for not obiding by federal laws. This is public if you look into the ftc.gov website and enter in the banks name and address.
They are under investigation by the Federal Trade Commission for not obiding by federal laws. This is public if you look into the ftc.gov website and enter in the banks name and address.
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1 Star Rating
ZERO customer service. I was erroneously charged by a merchant, appealed to OpenSky, and after 5 months they said 'there was no mechanism to dispute' (charged for an item I didn't receive). They said they ONLY way to reverse the charges is to have the vendor send a letter saying to cancel the charges. Prepare to be on hold for over an hour any time you need to call them, and trust me, there is very little you can do online.
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1 Star Rating
Verified CustomerWaste of time and ruined my credit. It’s not worth it. Their CSR lack education and understanding. They’re very rude. It takes forever to get through with them save yourself the headache. Find a different route here.
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5 Star Rating
Verified CustomerI gotta say I read some reviews saying customer service was difficult I called 18008596412 spoke to shaniqua very pleasant woman Im waiting on my card now pretty excited to rebuild my credit I have a good feeling about this card
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4 Star Rating
Verified CustomerI see there are a lot of bad reviews but isn't this card used mostly by those trying to build bad credit? Therefore why do people have their expectations so high - at least we're getting help and for that I thank you OpenSky. OpenSky is the one of the only card companies that has been able to help me start building my credit.
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3 Star Rating
I give this card a 3 out of 5. I havent had to call customer service for anything but I heard they're horrific so i knock them for that. This card should not be used like a debit card. Keep your purchases low (under $60 a month) Use this card for reoccurring bills like Netflix or your cell phone. Payments from your checking account post quick but your available credit takes 5 business days to reset. Again, this is not like a debit card. I do recommend that you have a checking account for bill payments.
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1 Star Rating
Customer service and payment processing is horrible!!!! I have been trying to get a hold of someone in customer service for three days now after being on hold for well over an hour and have yet to speak to anyone... right now as I type this i have been on hold for an hour and 30 minutes... i made a payment over a week ago and the payment was just processed today and still has not been applied to my available balance... I am definitley going to cancel this card if I can ever get a hold of someone... Since I am in Dallas and it looks like they have a couple of opensky offices here I may just have to go up there in person to speak to some one in person... THIS COMPANIES CUSTOMER SERVICE IS NON EXISTENT!!! HORRIBLE
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1 Star Rating
Verified CustomerCustomer service is the worst I have ever dealt with. I have had better experience on wait time in the DMV than open sky. have called three times. the first two times I waited 23 minutes and it disconnected me. this last call better be the one. I have been on hold for 31 minutes now. the reviews below state it has helped their credit score "jump" up, have had this card since February, and at best it has given me was hope. haven't seen any changes.
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1 Star Rating
Verified CustomerOpen Sky holds Temporary Authorization for too long after merchant settled the sale. Merchant held $150.00 for a $42.60 gas sale.
Merchant settled for $42.60 but Open Sky still holding $107.40 that I can't use.
Merchant settled for $42.60 but Open Sky still holding $107.40 that I can't use.
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1 Star Rating
FIRST THEY WILL STARTED THE RELATIONSHIP WITH LIES TELLING YOU THAT YOU WILL RECEIVE YOUR CARD IN NO MORE THAN 10 DAYS AND AFTER YOU GIVE THEM YOUR DEPOSIT THEY WILL WAIT ONE WEEK TO SEND YOU AN EMAIL TELLING YOU THAT IS NOT GOING TO BE 10 DAYS, THAT THE ACTUAL TIME OF WAITING FOR YOUR CARD, IS GOING TO BE 30 DAYS AND TO MAKE IT WORST, YOU WILL RECEIVE YOUR CREDIT CARD STATEMENT FIRST THAN THE CARD AND YOU WILL END UP PAYING FOR A CARD THAT YOU DON'T EVEN HAVE YET, AND WHEN YOU CALL THEM TO ASK FOR YOUR DEPOSIT BACK THEY WON'[T EVEN RETURN YOUR MONEY BACK TO YOUR CREDIT CARD OR DEBIT CARD AS DECENT COMPANIES WILL DO, NO, THEY WILL SENT TO YOU A CHECK THAT WILL TAKE ANOTHER MONTH FOR YOU TO RECEIVE IT, IF YOU SENT ANY MAIL HERE IN THE UNITED STATES WILL TAKE NO MORE THAN 5 DAYS FOR YOU TO RECEIVE YOUR MAIL BUT WHAT THEY ARE DOING IS EARNING INTEREST WITH YOUR MONEY BY HOLDING IT IN THEIR POWER....PURE TRASH, AND WHAT LOOKS LIKE TRASH, SMELL LIKE TRASH AND TASTE LIKE TRASH GOT TO BE PLAIN AND PURE TRASH....STAY AWAY FROM THIS SCAMMER-CRIMINALS....
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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: Jan 25th, 2023 at 15:44 ET