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  OPT Credit Card

OPT Credit Card

in Personal Credit Cards from Comenity

Unaffiliated

OPT Credit Card

Unaffiliated

in Personal Credit Cards from Comenity

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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

This 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 review will provide you with with all the details you need 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 will have good approval oods if your credit score is above650.
Pros & Cons of OPT Credit Card
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 benefits.
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:

OPT Credit Card Fees
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 (855) 796-9632.

What is the support contact email for OPT Credit Card?

The support contact email for OPT Credit Card is info@rh.com.

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.

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

Hours of Operation

  • Sunday 9:00am - 5:00pm
  • Monday 7:00am - 11:00pm
  • Tuesday 7:00am - 11:00pm
  • Wednesday 7:00am - 11:00pm
  • Thursday 7:00am - 11:00pm
  • Friday 7:00am - 11:00pm
  • Saturday 9:00am - 5:00pm

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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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Annual Maximum 200
Balance Computation daily balance (including current transactions).
Purchase APR (Variable APR) Up to 29.24%
Card Type
  • Store Card
Card Network Other

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.