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.

• 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.

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?

What are the fees for OPT Credit Card?

The following fees apply to OPT Credit Card:

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 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.