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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
24.90% - 29.90%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
300 - 850
Annual Fee
$0 - $49
Oportun Visa Credit Card Review
Oportun Visa Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a store rewards card issued by Oportun Inc.. If you're wondering whether Oportun Visa Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 24.90% up to 29.90%.
- Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $49 for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Oportun Visa Credit Card
| The Good | The Bad |
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Oportun Visa Credit Card FAQ
Does Oportun Visa Credit Card have a cash back or rewards program?
Oportun Visa Credit Card is a rewards card.
| Description |
Does Oportun Visa Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Oportun Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Oportun Visa Credit Card benefits?
Oportun Visa Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Oportun Visa Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Oportun Visa Credit Card has a variable purchase APR that ranges from 24.90% up to 29.90%. Oportun Visa Credit Card does not offer balance transfers. It also has a variable cash advance APR that ranges from 24.90% up to 29.90%.
Does Oportun Visa Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Oportun Visa Credit Card does not offer balance transfers.Does Oportun Visa Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 24.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 24.90% on qualified purchases
What are the fees for Oportun Visa Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 - $49 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $0 up to $49.
There is a late fee starting at $25. Does Oportun Visa Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Oportun Visa Credit Card?
The customer service number for Oportun Visa Credit Card is (866) 488-6090.
What is the support contact email for Oportun Visa Credit Card?
The support contact email for Oportun Visa Credit Card is hello@oportun.com.
How do people rate the customer service and user experience of Oportun Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Oportun Visa Credit Card report your account activity to credit bureaus?
Yes, Oportun Visa Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Oportun Inc. perform a hard credit pull?
Yes, Oportun Visa Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Oportun Visa Credit Card
- Visit the website of Oportun Visa Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Headquarters
2 Circle Star Way
Redwood, CA 94070
Hours of Operation
Sunday
All Day
Monday
All Day
Tuesday
All Day
Wednesday
All Day
Thursday
All Day
Friday
All Day
Saturday
All Day
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