The OpenSky Credit Card is a good credit card for people with bad credit who want high approval odds because there is no credit check when you apply. The downside of the OpenSky Card is its $35 annual fee, but that can be worth it for the chance to rebuild... show more
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The OpenSky exchange rate is VISA's exchange rate on the date you make a purchase, plus any foreign transaction fees. While VISA exchange rates change daily, the OpenSky foreign fee is always 3% of the transaction.
It's best to use a credit card with no foreign transaction fee when making purchases from international merchants. As long as you have such a card and avoid dynamic currency conversion, the exchange rates you'll pay on international spending with a credit card will be much lower than those you'd get from converting cash with banks, credit unions, or airport currency exchange services.
No, OpenSky does not have travel insurance. While OpenSky does have benefits such as monthly credit bureau reporting and zero fraud liability, travel insurance is not among the card's perks. This is because the OpenSky credit card is made for people who are trying to rebuild their credit.
The OpenSky® Secured Visa® Credit Card is not a metal credit card, as it is made of plastic like most other credit cards. There's no functional difference between a plastic card like the OpenSky Card and a metal credit card, though, so don't dismiss the OpenSky Card just because it... show more
The OpenSky credit card doesn't have a 0% APR offer. This card is designed for people with bad credit, while cards with 0% intro APR offers are usually available for people with good or excellent credit.
The OpenSky® Secured Visa® Credit Card does not offer an authorized user bonus, currently. Some credit cards give a bonus for adding an authorized user, though this is a relatively rare feature and OpenSky is not among the cards offering it.
Adding an authorized user to your OpenSky still has... show more
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... show more
Cardholders can set up OpenSky® Secured Visa® Credit Card automatic payments through their online account or the Capital Bank mobile app. Calling customer service at 1 (800) 859-6412 also is an option. Once you're enrolled, Capital Bank will withdraw the payment amount from your linked bank account on the scheduled... show more
A credit balance refund on the OpenSky® Secured Visa® Credit Card is a reimbursement for paying more than the total balance owed on the credit card. For example, a cardholder who has a balance of $500, but pays $600, can get a credit balance refund of the $100 that they... show more
Share your insights and review the OpenSky® Secured Visa® Credit Card
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31%
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3.5
6,406 reviews
6,406 reviews
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Maura @mauraburke02
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5 Star Rating
My credit score increased 30 to 60 points depending on the credit bureau. There was no credit check, put down the maximum deposit. My score is rising steadily. This is a good card to help repair your credit. thank you
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Ki Wi @tmoon7511
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1 Star Rating
Do Not Recommend. The 5 stars are a front! Worst credit card I’ve personally owned. Contacting company is anything but convenient. Making a payment is anything but convenient or timely. I set up electronic arrangements, it's the only way to make sure it’s paid on time.. but they will take the money from bank.. after pending for 3/4 days the money is still not available for use, the longest I’ve waited was literally 3.. not 2 weeks and 3 days. 3 entire weeks. I called customer service and he claims in order to have funds posted to account faster I have to call my bank, get verification it’s been paid, call them back fax, or email over the verification and it will take a few hours up to 72. Most times I wouldn’t notice because I didn’t need to use the card, but once I did and couldn’t access my funds. Livid! They’ve also lost track of money in my account, after noticing an off-balance they counted it down and had no explanation on where the funds could have went.. supposedly to be investigated, haven’t heard anything back in over 2 months account is balanced now but still off by a measly 5cent but still no explanation on how the funds were not accounted for if everything is done electronically. Not to mention the fact that I’ve requested a PIN number for my card for over a year and then some, after ordering it at least 7 times, one actually finally showed up right before my two year anniversary with them, so sweet.. but with that.. after so much time not having a pin, customer service recommended I take advantage of the cash advance feature. Not until my second advance I noticed and called.. they casually tell me “oh yeah there’s a $6 charge for every advance.“ After a good two years I’ve had enough. I read the reviews and seemed like a good idea, they said they loved it and all these cute things.. No. I Do Not Recommend.
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Ellen P @creditmaven
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5 Star Rating
This card provides an excellent option to help you rebuild credit. It doesn't require a credit check, payments made online credit to your account quickly (within 1 business day), and it does help boost your credit score.
I agree with the reviews that say you need to apply for this card with a VERIFIABLE home address (not a mailing address) that matches with your own credit report. That's to prevent fraud. You need a driver's license with your actual home address on it that can be verified by the bank and the address on your driver's license also needs to match your credit report.
You also need to be realistic - don't make a payment at 11:45pm on the exact day the payment is due and then complain that the company credited you late. Don't mail in payments and wonder why they get it a week late. Pay online - it is very easy. Their app works very well.
The longest I have had to wait to reach customer service is 20 minutes on hold, but that is pretty standard during COVID.
I've never had a problem using this card, it is a regular Visa and is accepted everywhere. I make my payments 2-3 days before my due date and have never had a problem at all.
I've had this card for 28 months now and am almost ready to go on to non-secured cards - but it has helped me a lot and I have never had any problems.
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Pella Urno @pella1
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5 Star Rating
Great card, had it for 2 years now. This card has helped boost my credit score.
The people posting negative reviews need to get with the times. It is 2021. Who mails in a payment in 2021 (when it is very easy to pay online), "hopes" it gets received on time, and then blames the credit card company if your mailed payment arrives late? Seriously. Look at the ridiculous types of things people are complaining about and you can easily see that the problem is with THEM.
I pay on time every month and have never had a problem. I've called customer service a few times and never had a problem. I use my card everywhere, pay IN FULL every month, and everything works fine.
If you are not paying on time, then posting unkind reviews as if it is not your own fault, then you are the problem, not a credit card company.
Every payment I have made online within the past 2 years has posted to my account within 24-36 hours of my paying it. Every. single. one. So I don't know why anyone else would not tell the truth about that. Maybe they're just bad because they messed up their own account somehow.
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Pella Urno @pella1
I meant to say, maybe they're just "mad " because they messed upon their own account somehow (not, maybe they're just "bad")
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Michael @pismo86
After two years, you still don’t have a secured credit card? How much has your credit score gone up?
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neimanyes1 @neimanyes1
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5 Star Rating
I think the people who are complaining must have credit issues they are NOT telling you about. I've had this card for almost 3 years and so has my husband, he has his own account.
Never a SINGLE problem with making payments monthly (and payments do get credited to your account within 24 hours!), never had a problem reaching anyone in customer service, no issues at all. Able to use the card everywhere. I have used their app daily to view my account for almost 3 years and have never had a single problem.
People who have issues are probably not using their residence address to apply (you cannot use a mailing address), or they are using a different address from the one on their credit report. Yes, they have to be able to VERIFY who you are (valid driver's license with your legal residence address on it) and where you live before granting credit, just like any other credit card.
Also, people, GET a checking account to make your payments, no one in 2021 tries to make payments from Western Union or other such nonsense. There are plenty of second chance checking accounts that accept pretty much everyone.
This is a GREAT card that will give you a second chance when no one else will.
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areisconsulting @areisconsulting
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1 Star Rating
Terrible service. We applied but they couldn't verify the address even though I sent it in through their portal. There is no customer service number to get in touch with someone. if you can't even speak to someone in the beginning, I would be concerned giving them any deposit!
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dubmike543 @dubmike543
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1 Star Rating
Terrible financial service. Their website account log-in button doesn't work, the mobile app doesn't open, no customer service phone number or email is listed on their site. Save yourself the headache and skip this company, it's nothing but red flags.
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Paul Godoy @pabgod21
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2 Star Rating
I cannot understand why it is unbelievably hard to make a payment to this company while they rack up all these fees against you. I was a collector for almost 20 years and even this tactic is low. I'm only giving two stars. because the rep took the time to inform me of all these loops customers have to go through to solve a payment issue.
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firstlady_5star @firstlady_5star
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1 Star Rating
For this to just be a secured card, I have NEVER had so many issues in my LIFE! Since I opened this card, I’ve had an issue every single month. They make it impossible just to make a payment. From them processing my payments late, to customer service being rude and unprofessional. Trust me when I say, GET A CAPITAL ONE! Do NOT get this card if you don’t want a headache every month. The app is a NIGHTMARE to use and doesn’t update in real time so you’ll always have a do a deep dive into each individual purchase and even THEN, they will find something that hasn’t posted yet. I use these cards very very strategically because I only have it to build my credit, so I pay it off in full every month and I only use 30%, but they always find a way to make sure there’s some extra forgotten charge. Run.....for.....the.....hills.
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Michael @michaeljsmallwood
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4 Star Rating
Verified Customer
Got this card and a Credit One card last year to start building credit, and just closed it today as I no longer needed it. There are fees of course because it is secured, but I never had a problem with transactions, and it helped build my credit over that year so I recommend it as a starter. You have to call to cancel which isn't great and it took a bit to get a rep, but they were very helpful and understanding.
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+6075 users submitted a rating without writing a full review
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?
Pramod Iyer Ph.D., Assistant Professor, Middle Tennessee State University Read More
Diogo Hildebrand Ph.D., Assistant Professor of Marketing, Zicklin School of Business, Baruch College, City University of New York Read More
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