
OPT Credit Card
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Community Rating |
Rating not yet determined |
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
This is a store card issued by Comenity Bank. If you're wondering whether OPT Credit Card is the right card for you, read on.
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 will have good approval odds if your credit score is above 650.
Pros & Cons of OPT Credit Card
The Good | The Bad |
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OPT Credit Card FAQ
Does OPT Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the OPT Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for OPT Credit Card?
It has a variable purchase APR of up to 29.24%.Does OPT Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does OPT 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 OPT Credit Card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Returned Payment Fee | up to $38 |
Late Payment Fee | up to $38 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for OPT Credit Card?
The OPT Credit Card customer service number is (185) 579-69632.
What is the support contact email for OPT Credit Card?
The support contact email for OPT Credit Card is webmaster@comenity.net.
What is the OPT Credit Card login page?
You can access the OPT Credit Card login page here.
How do people rate the customer service and user experience of OPT Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does OPT Credit Card report your account activity to credit bureaus?
Yes, 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 may 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020 USA - (185) 579-69632
- Visit Site
- Email Support
Other Services by Comenity Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
No Annual Fee | |
Annual Fee | $0 |
Minimum Interest Charge | $2 |
No Interest Grace Period for Late Payment | 25 days |
Returned Payment Fee | Up to $38 |
Late Fee Amount | Up to $38 |
OPT Credit Card Community Reviews
Would you recommend OPT Credit Card to your friends?
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