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.
• 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.
Bug fixes and performance improvements.
Ratings and Reviews
Good & Bad Points
A good card for rebuilding my credit. I started with a $300 deposit and several months later they upped my limit to $400 without me asking and without an additional deposit. Very good points for this card! However; if you’re on autopay each month beware! I made a manual payment this month over 2 weeks early on what would have been due on this month’s auto payment. The balance remaining wasn’t due until next month’s autopay date. But they went ahead on the 19th and took an autopay which didn’t clear my bank because I wasn’t expecting them take anything for a payment I already paid….and then charged me a $25 return check fee. I called customer service and was told they simply aren’t setup to reverse the fee. It doesn’t pay to make a payment early here because it’s going to cost you a lot more money in the long run. As for the app and all the users here having issues with this, it’s always worked fine for me. Maybe it’s different for various phone models, I’m iOS but it should be working well for everyone. I’d say bad app developers. And yeah, no phone number is on the app. I had to do a Google search to find one. Overall I’m not happy about being ripped off for a $25 check fee when I made my full payment due over 2 weeks early.
I just began my relationship with Open Sky and the app is the absolute worse for starters. It may work one day and the next you will see nothing but a plain white screen for days at a time. That is not advantageous to ANYONE trying to keep a constant eye on their payments and progress. It’s also asinine that payments are not directly drafted and take 7-10 days to be drawn from your account which can still result in making your payments late even if you paid them EARLY. I read the reviews and far too many people have made these same comply. It is 2021 and there is no reason a company of this stature should be utilizing such antiquated methods. Unfortunately I will have to keep the card and use the actual website to stay abreast of my payment activity since the point of having the card is to rebuild my credit and use the card for X amount of time. Do better Open Sky.
Rip-Off Tactics + Alternatives are far superior.
This card has not helped in its primary function (Rebuilding Credit) - in-fact if used like a standard credit... you will waste so much of your hard earned money on fees one doesn’t notice upfront.
There is $3 monthly fee for paper statements, and here’s the kicker - there is ZERO option of going paperless within the open sky app.
This is a wide array of fees to set up this account (in addition to your initial deposit), which are not spelled out Clearly and only
found after you make your first deposit.
Additionally, good luck getting the money you put on this card back promptly - you will need to wait 6-8 WEEKS to obtain a check which takes 1 Business day to send.
If you plan on using this card - don’t spend on it more than 10% of your limit (if at all) and if you do- pay it off instantly otherwise you are going to get charged an outrageous fee (Interest) to use your own money.
There are FAR superior credit building options available right now and for much less costs (SELF) and or completely free (Chime Credit Builder Card).
As one who has used this card for 1 year now, I highly do not recommend this and I’d say don’t bother with OpenSky unless they shift their business model to something (anything) consumer friendly. The $3 paper statement fee will irk you for months, I assure you.
Thanks for reading and may your decision be for your betterment of Credit!
Data Not Collected
The developer does not collect any data from this app.
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- Capital Bank N.A. (MD)
- 48.1 MB
- Requires iOS 10.0 or later.
- Requires iPadOS 10.0 or later.
- iPod touch
- Requires iOS 10.0 or later.
- Requires macOS 11.0 or later and a Mac with Apple M1 chip or later.
- Age Rating
- © 2022 Capital Bank N.A. All rights reserved. Member FDIC.