Reviews & Info for OPT Credit Card | September 2020

Highlights
Purchase APR (Variable APR)	Up to 29.24%
Balance Transfer APR (Variable APR)	N/A
Credit Score Range	650 - 850
Annual Fee	$0

OPT Credit Card Review

OPT Credit Card is a store credit card issued by Comenity. If you're wondering whether OPT Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways

No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

OPT Credit Card Pros & Cons

The Good	The Bad
$10 reward certificate for every $150 you spend on your card. Free shipping on your first orders of $25+ with your card. Up to $200 in savings every year - including a birthday special with your card. Enjoy safe, secure shopping with no annual fee when you use your card. No annual fee. OPT Credit Card reports to multiple credit bureaus.	High interest rates. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card rewards.

OPT Credit Card FAQ

Is there a OPT Credit Card cash back or rewards program?

No, OPT Credit Card does not offer a rewards program.

What are the relevant APRs for OPT Credit Card?

OPT Credit Card has a variable purchase APR of up to 29.24%.

Does OPT Credit Card have an introductory APR offer on balance transfers?

No, OPT Credit Card does not come with an introductory APR offer for balance transfers.

Does OPT Credit Card have an introductory APR offer on new purchases?

OPT Credit Card does not offer an introductory rate on new purchases.

OPT Credit Card Purchase Intro Offer
Description
Introductory Rate	N/A
Purchase Intro APR Period (months)	N/A

What are the fees for OPT Credit Card?

The following fees apply to OPT Credit Card:

OPT Credit Card Fees
Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $38
Late Payment Fee	up to $38

Does OPT Credit Card report your account activity to credit bureaus?

OPT 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 can help improve your credit.

How to apply for OPT Credit Card

Visit the OPT 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

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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
12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020
Visit Site

About OPT Credit Card

View all personal credit cards offered by Comenity

View Comenity Profile

Availability

Available in 50 states and Washington, D.C.

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Washington, DC
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

Feature Breakdown

No Annual Fee
Annual Fee	$0
No Interest Grace Period for Late Payment	25 days
Minimum Interest Charge	$2
Returned Payment Fee	Up to $38
Late Fee Amount	Up to $38

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Customer Type	Personal
Minimum Age	18
Military Status	Active Duty Military Military Dependent Non-Military Veterans
Employment Statuses Considered	Employed Full-Time Employed Part-Time Other Retired Self-Employed
Immigration Status Considered	U.S. Citizen U.S. Permanent Resident
Credit Score Range	650 - 850 850 300 650

Bonus Rewards	- $10 reward certificate for every $150 you spend on your card. - Free shipping on your first orders of $25+ with your card. - Up to $200 in savings every year - including a birthday special with your card. - Enjoy safe, secure shopping with no annual fee when you use your card.
Annual Maximum	200

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OPT Credit Card

in Personal Credit Cards from Comenity