OppFi Credit Card
Would you recommend OppFi Credit Card to your friends?
| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) | 35.99% |
| Balance Transfer APR | N/A |
| Credit Score Range | 500 - 850 |
| Annual Fee | $99 |
OppFi Credit Card Review
This is a credit card issued by Opportunity Financial, LLC. If you're wondering whether OppFi 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.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 35.99%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
- 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.
| The Good | The Bad |
|---|---|
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Does OppFi credit card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the OppFi credit card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for OppFi credit card?
OppFi Credit Card has a variable purchase APR of 35.99%. It also has a variable cash advance APR of 35.99%.
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. However, this is typical for credit cards that consider applicants with poor credit.
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.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?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $99 |
| Initial Program Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | up to $39 |
| Late Payment Fee | up to $39 |
Does OppFi credit card have a foreign transaction fee?
OppFi credit card charges a foreign transaction fee of 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 OppFi credit card customer service number is (800) 990-9130.
What is the support contact email for OppFi credit card?
The support contact email for OppFi credit card is hello@oppficard.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 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 OppFi credit card
- Visit the OppFi 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.
Message From OppFi credit card
Contact
- Headquarters
-
130 E Randolph St
Suite 3400
Chicago, IL 60601 USA - (800) 990-9130
- Visit Site
- Email Support
Other Services by Opportunity Financial, LLC
Availability
- Alabama
- Alaska
- Arkansas
- California
- Colorado
- Delaware
- Florida
- Georgia
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- New Mexico
- North Carolina
- Ohio
- Oklahoma
- Rhode Island
- South Carolina
- Tennessee
- Vermont
- Virginia
- Washington
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | 5% |
| Minimum Cash Advance Fee ($) | $5 |
| Initial Program Fee | $0 |
| Foreign Currency Transaction Fee | 2% |
| Annual Fee | $99 |
| Minimum Interest Charge | $1 |
| No Interest Grace Period for Late Payment | 23 days |
| Returned Payment Fee | Up to $39 |
| Late Fee Amount | Up to $39 |
OppFi Credit Card Community Reviews
Would you recommend OppFi Credit Card to your friends?
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