The OpenSky® mobile application lets you manage your OpenSky credit card account from the convenience of your iPhone or iPad — so you can keep on top of payments, and much more.

App features:
• See your minimum payment due and next payment date – helps make planning easier!
• View recently posted transactions such as payments or purchases
• Stay on top of your daily spending to keep card utilization low!
• Search for transactions
• Make one-time payments or set up recurring payments – never miss a payment!

Helps build credit.

And, with Touch ID, the mobile app helps make easy work of card management so cardholders can more easily build credit — whether at home or on the go.

What’s New

Version 3.4.9

Routine updates and enhancements

Ratings and Reviews

2.8 out of 5
259 Ratings

259 Ratings

Livbierman ,


Our company recommends this company, so I wanted to try it myself. The pros and cons are about even. Pros is there is no credit check and it does help you build your credit. Cons is that the app works most of the time but it has been a blank white screen for the past 3, so idk? And then I HATE the way payments are made. You make them on the app but they aren’t processed for like 10 days. It literally doesn’t even draft it out of your account as pending for like 3-4 days. I’ve never seen an app that was for finances that seems so out of date. That’s the one thing I really hate. I want to pay my payment when I pay it on the app not a week later. Definitely runs the risk of someone being late which would be quite controversial since it’s suppose to help build your credit. There just aren’t many functions on this app. Since I’m already a couple months in I don’t want to switch companies because that defeats the purpose of the age of the account.

the-exception ,

Stone Age

The reviews that talk about payment delays are accurate. Its absurd how long it takes to process a payment.

Also. WHY IS THERE A “CONTACT US” TAB WITH A PICTURE OF A PHONE, AND NO PHONE NUMBER???? I have to dig on a search engine to find the number, then calling and actually getting a person for YOUR issue is yet another challenge. Anything that isn’t paying them money is difficult to access. Then of course you can wait almost 2 weeks to receive a payment...makes no sense.

This could be a good company. They must update this app and improve customer service! And customer service visibility...stop hiding!!!! 👩‍💻

adeapples ,

Nothing but the best

Open sky helped me build my credit so good I got several requests from different credit companies but I rejected them till I finally got the best company that gave a huge amount with no deposit... now my credit score is going excellent. thank you open sky. My advice for everyone new to credit card is spend only 30% on your credit-card and pay it off consecutively for 6 months and watch how your credit racks up. For those with bad credit use this app follow my Advice it works meanwhile put your debts on monthly payments till it all get paid off. My gf credit was so low but now she thinks am an angel that help her build her credit back up with just advice and encouragement. While she paid off her debt without stress . Good luck


Capital Bank N.A. (MD)
49.4 MB

Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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