OpenSky® Mobile

Capital Bank N.A.

About this app

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

OpenSky 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!

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

Ratings and reviews

Avoid, if you have other options!! Like many others have stated, this card does help build credit. However, the app and company itself needs a major haul. I was locked out of my account (and still haven't been able to get into it) due to them needing to verify a payment made to my account (yes, payment, not charge). After several attempts at trying to rectify the situation by providing statements from my bank verifiying the payment, I decided to pay the balance off and stop using the card.

This card does help with credit. But the features of the app are very outdated. When paying my monthly statement, it takes days before coming out of my account. The app showed me that my statement had been paid, and 2 weeks later, I got an email from opensky saying my payment was returned, and then I got an email from my bank saying that my account was overdraft by opensky. I wouldn't recommend this card for anyone.

The app works decently, but I do have a few issues: limits how frequently you can make a payment on bill & knowing balance. It almost feels "scam like" that there is no function or employee that can help differentiate which items on your balance are on what billing cycle. After the minimum balance is hit, there is no way to tell the remaining balance on the current billing cycle. Even calling, employees were unable to help. This feels like they're intentionally wanting to collect on the interest

What’s new

Bug fixes and performance improvements.