OppFi Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 07/28/2025
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OppFi Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
35.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
500 - 850
Annual Fee
$99
OppFi Credit Card Review
OppFi 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 card issued by Opportunity Financial, LLC. If you're wondering whether OppFi 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 of 35.99%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of OppFi credit card
| The Good | The Bad |
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OppFi credit card FAQ
Does OppFi credit card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for OppFi 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.OppFi Credit Card has a variable purchase APR of 35.99%. OppFi Credit Card does not offer balance transfers. It also has a variable cash advance APR of 35.99% .
Does OppFi credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. OppFi Credit Card does not offer balance transfers.Does OppFi credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for OppFi credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $99 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $99.
Does OppFi credit card have a foreign transaction fee?
OppFi credit card charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for OppFi credit card?
The customer service number for OppFi credit card is (800) 990-9130.
What is the support contact email for OppFi credit card?
The support contact email for OppFi credit card is info@opploans.com.
How do people rate the customer service and user experience of OppFi credit card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does OppFi Credit Card report your account activity to credit bureaus?
Yes, OppFi 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 Opportunity Financial, LLC perform a hard credit pull?
Yes, OppFi 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 OppFi credit card
- Visit the website of OppFi 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.
Message from OppFi credit card
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Hours of Operation
Sunday9:00AM - 5:00PMMonday7:00AM - 11:30PMTuesday7:00AM - 11:30PMWednesday7:00AM - 11:30PMThursday7:00AM - 11:30PMFriday7:00AM - 11:30PMSaturday9:00AM - 5:00PM
Other Services by Opportunity Financial, LLC
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314 Reviews
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-100
-1000+100
No one recommends
Everyone recommends
OppFi Credit Card Community Reviews
Would you recommend OppFi Credit Card to your friends?
U
Anonymous
Dec 2, 2021
May or may not recommend
Waste time to apply. Not recommended for anyone with Fico score less than 675
Showing 1 of 1 reviews
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