OpenSky Appears in 79.0% of AI Answers. Here's Our Five-Step Plan to Improve Its AI Visibility.

Mark HuntleyBy Mark HuntleyFounder and CEO
10 minutes read

Key Takeaways

  • OpenSky led the benchmark with 271 mentions and 180 recommendations across 343 answers, with mostly positive or neutral framing.
  • Several AI answers conflicted on core product details, including the minimum deposit, deposit range, credit limit cap, and annual fee.
  • The homepage and secured-card product pages were the main company URLs cited, making them the first pages to review.
  • Buyer questions centered on no-credit-check approval, low-score approval, and secured cards, which can guide new content briefs.

Answer Capsule

In November 2026, OpenSky appeared in 271 of 343 AI answers included in the Credit Cards for Building Credit benchmark (79.01%). It received 180 recommendations (52.48%), with 89 Top 3 placements and 61 first-place recommendations. A mention means the company appeared in an answer; a recommendation means the answer affirmatively endorsed it.

Our plan compares the company with its competitors, checks conflicting AI claims against reliable sources, and identifies website pages, third-party sources and buyer questions to address. The historical results show how the figures changed across available months. Different monthly samples limit those comparisons, and conflicting AI claims require verification before corrections are proposed.

Current AI visibility

Questions This Section Answers

  • How do OpenSky mentions, recommendations and placements compare with its Credit Cards for Building Credit peers?

OpenSky recorded 271 mentions (79.01%) and 180 recommendations (52.48%) across 343 answers included in the benchmark. Top 3 placements numbered 89; first-place recommendations numbered 61. Framing among its mentions was 192 positive, 79 neutral and 0 negative.

Rank

Company

Mentions

Mention rate

Recommendations

Recommendation rate

Top 3

Top 3 rate

#1

#1 rate

1

OpenSky

271

79.01%

180

52.48%

89

25.95%

61

17.78%

2

Chime

265

77.26%

139

40.52%

55

16.03%

15

4.37%

3

Self

247

72.01%

137

39.94%

59

17.20%

10

2.92%

4

Capital One Platinum Mastercard

159

46.36%

64

18.66%

28

8.16%

16

4.66%

5

Discover Home Loans

161

46.94%

9

2.62%

3

0.87%

2

0.58%

6

Navy Federal Credit Union

103

30.03%

7

2.04%

4

1.17%

4

1.17%

7

Applied Bank

8

2.33%

5

1.46%

2

0.58%

1

0.29%

8

First Latitude

5

1.46%

3

0.87%

1

0.29%

0

0.00%

OpenSky appears in most of the answers measured and is endorsed in a little over half, which puts it ahead of the other companies in this set on both reach and recommendation. That is a strong starting position for a secured-card brand competing against larger names.

The placement figures show the endorsement is often emphatic rather than incidental, with a meaningful share of answers naming OpenSky first. Framing is almost entirely positive or neutral, with no negative mentions recorded. That combination suggests the brand is being described favorably, not just listed.

These are selected samples, not a trend. The practical next step is to protect the position by making sure the facts AI answers repeat about OpenSky are accurate, since favorable framing built on shaky details can reverse quickly.

What changed since last month

Questions This Section Answers

  • How did OpenSky counts and coverage differ across the available monthly snapshots?

Metric

Nov 2026

Mentions

271 / 343 (79.01%)

Recommendations

180 / 343 (52.48%)

Top 3 recommendations

89 / 343 (25.95%)

#1 recommendations

61 / 343 (17.78%)

Only months with verified results are shown. Monthly sample coverage is listed in Methodology.

There are insufficient usable monthly observations for a prior-period comparison.

Only one verified month is available, so there is no prior-period comparison to interpret. The current figures stand as a baseline rather than a movement, and the report should be read that way.

Because the monthly answer samples differ, later reports will show how recorded results change without establishing why. The useful move now is to lock in a clean baseline and a consistent method so future months can be compared on equal terms.

We would treat this month as the reference point and avoid drawing conclusions about direction until a second comparable month exists.

AI recommendation trend

Observed recommendation rate (%), Nov 2026

  • OpenSkyno change
    Nov 202652.48%

Separate selected monthly samples. Missing points are unavailable, not zero. Provider/prompt equivalence is unverified; rate movement does not demonstrate causation.

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Step 1. Measure

Questions This Section Answers

  • What should the agency measure and verify first for OpenSky?

AI answers contained 27 conflicting claims about OpenSky: 0 critical, 1 high, 26 medium, 0 low. Of these, 1 was rated critical or high priority; the critical claims are included in that total. These ratings help prioritize fact-checking. They do not establish that a company or publisher made an error.

The answers contain a cluster of conflicting claims about OpenSky, mostly rated medium priority, with a single claim rated high. That distribution is useful: it tells the client where fact-checking effort will pay off first rather than spreading attention evenly.

We would build a visibility scorecard alongside a scoped list of claims to verify, each with an owner and an evidence requirement. The high-priority claim gets checked first against current primary sources.

These ratings prioritize review work. They do not establish that OpenSky or any publisher made an error, so verification comes before any correction decision.

Step 2. Make the website consistent

Questions This Section Answers

  • Which recorded claim differences about OpenSky should be verified before proposed page edits?

Review topic

Severity

Recorded AI claim A

Recorded AI claim B

minimum security deposit

medium

$200 minimum deposit

deposit starting as low as $150

security deposit range

medium

minimum $200 deposit

$200–$3,000 deposit range

maximum credit limit / deposit

medium

up to $3,000

depends on how much you load (no fixed cap stated)

annual fee (OpenSky Secured Visa)

medium

$35 annual fee

$0 annual fee

Both columns quote AI answers, not verified company facts. Resolve the entity, date and source before deciding whether a correction is warranted; different dates can explain an apparent conflict.

The disputed topics are concrete and commercially sensitive: the minimum deposit, the deposit range, whether there is a fixed credit limit, and whether the OpenSky Secured Visa carries an annual fee. Each is the kind of detail a prospective applicant would rely on.

We would verify each topic against current primary sources, including dates, since a genuine change over time can explain an apparent conflict. Only then would we draft page briefs describing what the company's own pages should say.

Where the evidence is ambiguous or the entity match is unclear, the item stays out of the correction queue rather than being resolved by assumption.

Step 3. Align the external narrative

Questions This Section Answers

  • Which cited third-party pages are relevant to fact review for OpenSky?

Cited page selected for review

Citation appearances in all captured answers

Answers mentioning the company

Conflicting claims linked to this page

https://visa.com/en-us/card-finder/credit-card/bad_credit_rebuilding

77

60

12

https://bankrate.com/credit-cards/building-credit/best-cards-no-credit-check/

107

96

10

https://cnbc.com/select/best-secured-cards/

12

10

10

https://bankrate.com/credit-cards/building-credit/best-secured-cards/

58

41

9

https://badcredit.org/how-to/500-credit-limit-cards-for-bad-credit/

4

3

7

https://bankrate.com/credit-cards/bad-credit/credit-cards-for-500-credit-score/

19

13

6

These pages were selected because they relate to the company in the captured answers. Their current contents still need checking before any correction request. A page linked to a conflicting claim is not necessarily its cause, and the same answer may contribute to more than one row.

Several third-party pages are cited repeatedly in answers that discuss OpenSky, and some of those pages are linked to conflicting claims. Citation alone does not show that a page shaped an answer, so the first step is reading the current contents of the highest-priority pages.

We would prioritize the pages that appear most often alongside OpenSky mentions, then prepare evidence-backed requests where a genuine inaccuracy is confirmed. Where the page is accurate or the link is unclear, we record a no-change decision.

Publisher requests are proposed work, not assumed corrections, and responses may vary.

Step 4. Optimize priority company pages

Questions This Section Answers

  • Which observed OpenSky website pages should receive review briefs?

Company website page

Citation appearances in all captured answers

Benchmark answers citing the page

Recommending answers citing the page

https://openskycc.com/

18

12

10

https://openskycc.com/opensky-visa

5

2

2

https://openskycc.com/opensky-secured-visa

3

1

1

https://openskycc.com/blog/credit-cards-for-people-with-bad-credit

2

1

1

https://openskycc.com/faq

2

1

1

https://openskycc.com/plus-secured-visa

2

0

0

https://openskycc.com/secured-credit-cards/opensky-plus-secured-visa

2

1

1

https://openskycc.com/blog/how-beginners-with-no-credit-can-obtain-a-credit-card

1

0

0

The company's website was cited 39 times across 12 distinct page addresses; the table shows 8 pages selected for review. Zeros in the answer columns mean no matching answers were recorded. A cited page is not automatically a page that accompanied a recommendation.

OpenSky's own site is cited across a spread of pages, with the homepage carrying most of the citations and product and blog pages trailing well behind. That pattern suggests the homepage is doing most of the work of representing the brand to AI answers.

We would prepare page briefs for the priority pages using approved facts and the questions buyers actually ask, checking existing coverage before proposing anything new. The product pages for the secured cards deserve particular attention given the disputed deposit and fee topics.

A cited page is not automatically a page that accompanied a recommendation, so briefs should aim at accuracy and usefulness rather than chasing citation counts.

Step 5. Publish around buyer questions

Questions This Section Answers

  • Which observed buyer questions support content briefs for OpenSky?

Question observed in the research

Benchmark answers to this question

Company mentions

Company recommendations

What credit cards accept a 500 credit score?

5

5

5

What is the best secured credit card with no credit check?

5

5

4

What credit card has easy approval without a credit check?

4

4

4

What is the easiest credit card to get with no credit check?

3

3

3

What credit card has no credit check guaranteed approval?

3

3

2

What credit card will give me the highest limit with bad credit?

3

3

2

What credit cards don't ding your credit?

3

3

2

What is the easiest secured card to get approved for?

3

3

2

These are recorded answer observations, not search volume, verified demand, or proof of missing website content.

The recorded questions center on no-credit-check approval, easy approval, rebuilding with a low score, and getting the highest limit with bad credit. OpenSky is mentioned in nearly all of these answers and recommended in most, which shows the brand already fits the questions buyers bring.

We would turn these into content briefs that answer each question directly, using approved facts on deposits, limits and fees. Existing pages should be checked first so new content fills gaps rather than duplicating coverage.

These are recorded answer observations, not search volume, so briefs should be validated against the client's own audience data.

Our 90-day action plan

Questions This Section Answers

  • How should the agency sequence the proposed OpenSky work and judge completion?

Period

Deliverable

Completion criterion

Days 1–30

Baseline scorecard, scoped fact-review register and page/source shortlist

Each record has an owner, evidence requirement and review status

Days 31–60

Approved page briefs and justified publisher requests

Separate confirmed edits, no-change decisions, requests and responses

Days 61–90

Buyer-content briefs and a fresh scorecard

Record work completed separately from measured answer outcomes and comparability limits

The first month establishes the baseline scorecard, a scoped fact-review register and a shortlist of pages and sources, each with an owner and evidence requirement. Nothing gets corrected in this phase; the goal is a defensible record.

The second month produces approved page briefs and justified publisher requests, with confirmed edits, no-change decisions, requests and responses recorded separately. The third month adds buyer-question content briefs and a fresh scorecard.

Delivered work will be reported separately from measured answer outcomes. Completing briefs and requests does not guarantee a change in visibility, and later comparisons will carry the same sample limits.

Methodology

Questions This Section Answers

  • How are OpenSky answer metrics and citation populations defined?

This report covers 2026-11. The exact dates when the original AI answers were collected have not been verified. The visibility rates use 343 answers that met the benchmark's inclusion rules. A company is recommended only when the answer both endorses it and uses positive wording. Top 3 and first-place counts are part of those recommendations, not extra recommendations.

An answer can mention or recommend several companies, so company counts cannot be added to find the number of distinct answers. The net sentiment score is positive minus negative mentions, divided by all company mentions; it describes answer wording, not customer satisfaction.

The wider citation analysis covers 800 captured answers and 5284 appearances of cited URLs. Citation appearances across all captured answers differ from the number of benchmark answers citing a page and the number that also recommend a company. The current contents of cited pages and disputed company claims still need independent verification.

Monthly sample coverage:

Reporting month

Answers included

AI services covered

Services

Nov 2026

343

6

ChatGPT, Copilot, Gemini, Google AI Mode, Google AI Overviews, Perplexity

July 2026 measured a different set of companies, so it is excluded from this comparison. August 2026 measured a different set of companies, so it is excluded from this comparison. September 2026 measured a different set of companies, so it is excluded from this comparison. October 2026 measured a different set of companies, so it is excluded from this comparison.

The answer samples differ between months. These comparisons show how the recorded results changed; they do not establish why they changed.

The answers were collected for a single reporting month, and the exact collection dates have not been verified. Rates rest on answers that met the benchmark's inclusion rules, and a company counts as recommended only when an answer endorses it with positive wording.

Answers can mention several companies, so company counts cannot be summed into distinct answers. Sentiment describes answer wording, not customer satisfaction. Cited pages and disputed claims still need independent verification before any correction is considered.

Our first three priorities

First, verify the disputed deposit, limit and annual-fee claims against current primary sources, starting with the high-priority item, and keep ambiguous matches out of the correction queue. This protects a strong position from being undermined by details AI answers may repeat.

Second, prepare page briefs for the homepage and the secured-card product pages so the company's own content states approved facts clearly and answers the questions buyers actually ask.

Third, review the most-cited third-party pages and prepare evidence-backed requests only where a genuine inaccuracy is confirmed, recording no-change decisions alongside them. Together these give the client a clean baseline and a defensible path into the next measurement.

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Understanding AI search visibility.

AI search experiences create answers by pulling information from many places online and summarizing it into a single response.

What Is AI Citation Intelligence?
AI citation intelligence is the process of measuring where AI platforms source their information and how frequently a brand is mentioned or referenced in AI-generated responses. Because LLMs synthesize across multiple sources, the sites and brands that appear repeatedly tend to influence how a topic or company is framed. This practice focuses on identifying which sources shape AI outputs and tracking brand visibility across different AI systems.
What Is Citation Architecture?
Citation architecture describes the set of sources that consistently inform how AI systems talk about a brand, product, or topic. LLMs draw from websites, articles, forums, and public discussion, and the sources they rely on most often become the backbone of their answers. Building strong citation architecture means ensuring that accurate, credible, high authority sources are the ones most likely to shape the way AI tools summarize and recommend a brand.
What Is Generative Engine Optimization?
Generative engine optimization (GEO) is the practice of improving the chances that AI systems use and cite your brand or content when generating answers. While traditional SEO is centered on ranking pages in search results, GEO focuses on how LLMs retrieve, interpret, and combine information when responding to a question. The objective is to strengthen the content and sources AI systems rely on, so your brand is treated as a trusted reference in AI responses.
What Is AI Share of Voice?
AI share of voice tracks how often a brand appears in AI-generated answers compared with competitors in the same category. It reflects visibility across AI platforms such as ChatGPT, Gemini, Claude, and Perplexity. Monitoring AI share of voice helps organizations see whether AI systems consistently include and recommend their brand for key queries or whether competitor brands are showing up more often.

About The Author

Mark Huntley

Mark Huntley

Founder and CEO

Mark Huntley, J.D. is founder of CiteWorks Studio, a strategic advisory focused on visibility, authority, and recommendation presence in AI-shaped search environments. His work centers on embedding-level GEO, vector optimization, and cosine gap engineering — helping brands align their digital presence with the retrieval systems that increasingly shape discovery, interpretation, and choice.

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