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opensky® Reviews 14,140

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TrustScore 4.5 out of 5

4.6

Bank
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Review summary

Created with AI, based on recent reviews

Looking at 2,526 reviews, reviewers overwhelmingly had a great experience with this company. Many customers praise the exceptional customer service, noting that representatives are helpful, friendly, and efficient, often resolving issues without long waits. The company is highly regarded for its role in helping users build or rebuild their credit, with many appreciating the opportunity to advance to unsecured cards and higher credit limits. The user experience is generally positive, with easy-to-navigate online platforms and convenient payment options that help customers stay on track with their bills. However, some customers also noted issues with payment processing, including difficulties with multiple payments per month and occasional problems with payments being returned or not posting correctly. A few other people also felt that customer service was unhelpful when dealing with false charges or that the communication channels were limited.

What people talk about most

Payment

Customers consistently note ambiguous experiences with payment, with some praising the ease of making... See more

Customer service

People report positive experiences with customer service, highlighting the helpful, professional, and... See more

User experience

Consumers find the overall user experience to be positive, with many describing it as wonderful, excellent,... See more

Product

Users describe positive interactions with the product, often highlighting its effectiveness for building or... See more

Service

Clients share positive opinions on service, with many appreciating the professional and helpful support... See more

Reviews shaping this summary

Rated 5 out of 5 stars

i had a wonderful experience with this company. it allowed me to build my credit successfully. I have now applied for a unsecured card with open sky. Since my secured card has expired, How do I go ab... See more

Company replied

Rated 5 out of 5 stars

Been using OpenSky for a long time now and never any issues with cards or customer support. Never even had a card compromised while using this company. Build that credit, credit card ease, great app... See more

Company replied

Rated 5 out of 5 stars

These guys took a chance on me when no one else would. I pay my balance off every month in full. And in 5-6 months my credit has improved by roughly 165 points. So in turn, they pre approved me... See more

Rated 5 out of 5 stars

The experience I've had with opensky has been more then great. Opensky has helped me to establish my credit score in such a short period of time. You can view your credit score at anytime. This sets y... See more

Company replied

Company details

  1. 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

4.6

Excellent

TrustScore 4.5 out of 5

14K reviews

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Rated 5 out of 5 stars

I went through some problems in life.

I went through some problems in life.
Divorce and a accident and it hurt my credit.
Opensky helped me get my credit restarted.
They are helping me raise
scores that helps alot in life.
Thank you
John

2 June 2026
Rated 1 out of 5 stars

I've been paying credit card on time

I've been paying credit card on time, for years! I got an increase in limit! I received the card but did not activate for personal reasons! Do yall know they opened the card and started charging me!! And still taking out my direct deposit!! I am LIVID cause they put a fraud charge on my cc they I did use but haven't it several months!!!! TALK ABOUT EMBARRASS 😡😡😡😡😡😡 I AM LIVID !! Talk to customer service and they said nothing they can do because its attached to my old card, they put fraud on!!!! I did not ACTIVATE that card!! How can they get away with this!!! My credit score was 679 now its bad!!!!

1 May 2026
Unprompted review
Rated 1 out of 5 stars

If I could give zero stars

If I could give zero stars, I would. This company is a scam and has been completely unhelpful.
I created an account based on an advertised APR of 28%, but I was charged over $500, which seemed far higher than what I expected. When I contacted customer service to cancel, I was repeatedly given the runaround and could not get anyone to help me resolve the issue or cancel the account.
After multiple unsuccessful attempts to work with the company directly, I had to contact my bank and dispute the transaction. Overall, this was a very frustrating experience, and I would not recommend this company.

31 May 2026
Unprompted review
Rated 3 out of 5 stars

There is no way to contact from the app…

There is no way to contact from the app ,, - ,no phone or email for customer service. I have an unauthorized charge but I don't know how or who to get it . I found email online but don't know if it's legit same with email.

29 May 2026
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Reply from opensky®

Thank you for your message. We recommend calling 1-800-859-6412. When you call, the automated system will ask for your account number. If you do not have an account number handy, do not type anything in when requested and you will be transferred to the first available representative.

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