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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

Excellent company to help get you on track

Gave me an opportunity to build credit when my history was not so good. It has helped me to get back on track. Their communication about bill due dates is done well, setting up a payment method was easy and I've never had a problem with payments going through in a timely manner. With diligent, full payments and low monthly balances they offered me a second card, Gold card, with a higher limit pre approved after only 6 or 7 months. It does have a $59 yearly fee but offers some perks as well, fair trade off. Legit company to help better your credit score.

Also want to offer some advice. On time, full balance payments and keeping your usage below 30% is the optimal way to use any card. It took some time for me to learn this but in a matter of months I've raised my score over 200 points into the low 700's.

Some people might not be able to use cards this way but it is the optimal way. Excellent all around experience.

28 May 2026
Rated 1 out of 5 stars

Open sky horrible customer service

Open sky, has worst customer service, women sound like there sleeping on phone. If have issue false charges you get bad attitude frm open sky, and no help resolve fake charge. After dealing customer service this company is terrible to resolve false charges to your card with.

29 May 2026
Unprompted review
Rated 1 out of 5 stars

The worst credit card I ever had

The worst credit card I ever had. It takes forever to post on your available credit after the payment is processed. They’ve charged me a fee for a returned check and I have no returned payments. I paid this card three times this month to pay it down and they hit me with that charge. I will be paying this card off and canceling it. I just want my deposit back. How can it cost so much to borrow your own money?

28 May 2026
Unprompted review
Rated 5 out of 5 stars

Rebuilding Me

I am rebuilding credit as Ive had cancer for over 7 years, which sent my financial life into a death spiral. Thank goodness for Opensky to help me back!

26 May 2026

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