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  Oportun Visa Credit Card
Oportun Visa Credit Card
in Credit Cards from Oportun Inc.
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Oportun Visa Credit Card

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Highlights
Purchase APR  (Variable APR) 24.90% - 29.90%
Balance Transfer APR N/A
Credit Score Range 300 - 850
Annual Fee $0 - $49

Oportun Visa Credit Card Review

This is a store rewards credit card issued by Oportun Inc.. If you're wondering whether Oportun Visa Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable 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.
  • Gas rewards. on eligible gas purchases.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of Oportun Visa Credit Card
The Good The Bad
  • Global Entry/TSA Pre✓®.
  • Identity Theft Protection.
  • Considers applicants who don't have a credit history.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Oportun Visa Credit Card is accepted.
  • Oportun Visa Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
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.

Oportun Visa Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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%. 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.

Does Oportun Visa Credit Card have an intro APR offer on new purchases?

Oportun Visa Credit Card Purchase Intro Offer
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?

The following fees apply:

Oportun Visa Credit Card Fees
Fees Amount
Annual Fee Starting at $0 up to $49
Foreign Transaction Fee 0%

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 Oportun Visa Credit Card customer service number 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.

What is the Oportun Visa Credit Card login page?

You can access the Oportun Visa Credit Card login page here.

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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Oportun Visa Credit Card

  • Visit the Oportun Visa Credit Card website.
  • 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

Other Services by Oportun Inc.

Availability

  Available in 45 states
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wyoming

Feature Breakdown

Introductory Rate 24.90%
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 3%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $0 - $49
Minimum Interest Charge $1
Returned Payment Fee Starting at $25
Late Fee Amount Starting at $25
Credit History Not Required
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
Checking Account Required
Credit Score Range 300 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Global Entry / TSA Pre✓®
Security Deposit $0
Cash Advance APR (Variable APR) 24.90% - 29.90%
Credit Limit $300 - $1,000
Purchase APR (Variable APR) 24.90% - 29.90%
Card Type
  • Rewards
  • Store Card
  • Gas
  • Bad Credit
Card Network Visa

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