Great for building credit††
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Min. deposit

$200 Refundable


Regular purchase APR

17.39%* Variable


Annual fee

$35



Overall card rating

3.5
1048 Reviews
from Credit Karma members

Most Helpful Positive Review

Apr 23 2017
Use It to Your Advantage
Credit Karma Member

Okay so I see a lot of negative reviews that I think mostly stem from Open Sky not clearly communicating the process/when they report to bureaus etc. Here's the deal. If you want a boost in your score quickly, apply for the card around the 15th-20th of the month. Open Sky reports to the credit bureaus on the last business day of the month (then sometimes it takes a week or so after that for the bureau to reflect the change). It takes 3-4 days for your $200 (or whatever) deposit to go through, and for the card to be shipped, after approval. Your account isn't considered open until the date the card is shipped. The card comes with the $35 annual fee already tacked onto the balance and if you ordered your card mid-late in the month, that $35 won't be due until the end of the next month (but it will count towards utilization when reported to the bureus, which is a good thing, as long as you keep utilization under 30%. $35 out of $200 is 17.5%). Each month, your bill is due on the 28th. So to absolutely optimize the credit boost you can get from this card: order it around the 18th of the month. The card will probably ship out around the 22nd. Don't worry about paying the $35 fee the second you get the card - you can activate it with the $35 fee on there. Let the utilization work for you when they report to the bureus on the last business day of the month, then on like the 5th of the next month, pay the $35 off. Now, set up a monthly small charge, like Netflix or something, to come out mid month, and DONT use your card other than that monthly charge. When you get your bill in the beginning of the month each month, pay off the last month's balance in full. I've had the card for a couple months, and that's all I've learned from research/talking to their customer service. It's worked well for me so far!


Most Helpful Negative Review

Jan 01 2018
Starter Card
Credit Karma Member

I originally applied for a Citi Bank Secured card and was declined, so I had to dramatically lower my expectations and applied for this one. At the time I had about a 560ish Fico score across the board with lots of things in collections. I've had the card for almost a year now, pay my bills on time every time, and they report it to all the credit agencies every month,?albeit?a month behind. Yes there is a 10 Day wait before the credit line becomes available to you, but?I think that is because they're are waiting to see if the payment which has to be made with a bank account returns. Fair enough in my opinion for this kind of card. My credit score has raised considerably since I applied for this card and am now able to get unsecured credit cards. Once I hit my credit score goal I plan on dumping them but for now they do nothing but help. I think if you have bad credit like me and?pay your bill on time, this card is a great starter for people starting over.


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Aug 05 2020
My 2nd Chance
Credit Karma Member

Opensky gave me the second chance I've been looking for to build my credit. My low usage and payments on time has made my score sky rocket!


Aug 04 2020
Credit Karma Member


Aug 04 2020
Good for building credit
Credit Karma Member

I've had it about 9 months. Good for building credit.


Aug 04 2020
Credit Karma Member


Aug 04 2020
GREAT to build credit, but ...
Credit Karma Member

Great to build credit, but that's it. There is no rewards program. Make sure you pay your bill on time - set up auto payments. Your credit score will go up. Once it's high enough, get a better card with rewards. This is a great one to BOOST your credit but UPGRADE as soon as you can.


Aug 04 2020
Cant complain
Credit Karma Member

Good card if you have no credit and or low credit to start vuilding your score no issues at all for a secured card with out effecting your credit score you should jump on it


Aug 03 2020
Credit Karma Member


Aug 03 2020
Credit Karma Member


Aug 03 2020
Credit Karma Member


Aug 02 2020
It is quite disappointing.
Credit Karma Member

In this day and age, it is hard to imagine that it could be so difficult to communicate through their app with the corporation. It is part of a big corporation and I know that they have the means in other cards that they offer to easily communicate. Why not here?

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Great for building credit††
See card detail
See card detail
Min. deposit

$200 Refundable


Regular purchase APR

17.39%* Variable


Annual fee

$35




These ratings and reviews are provided by our users. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it.

†† The opinions you read here come from our editorial team. Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.