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

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 options 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.
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.

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.

What are the OPT Credit Card fees?

The following fees apply to OPT Credit Card:

OPT Credit Card Fees
Fees Amount
Annual Fee up to $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 score.

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.

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...

Contact

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

About OPT Credit Card

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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
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
Card Type Store Card
Card Network Other
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
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
Purchase APR (Variable APR) Up to 29.24%

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Credit Score Range 550 - 850     300 850
Annual Fee $0 Annual Fee
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Credit Score Range 650 - 850     300 850
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Credit Score Range 650 - 850     300 850
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Credit Score Range 650 - 850     300 850
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Balance Transfer APR N/A Balance Transfer APR
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Balance Transfer APR N/A Balance Transfer APR
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Credit Score Range 650 - 850     300 850
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Credit Score Range 650 - 850     300 850
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Credit Score Range 650 - 850     300 850
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Credit Score Range 650 - 850     300 850
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range N/A Credit Score Range
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 550 - 850     300 850
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Credit Score Range 700 - 850     300 850
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Credit Score Range 550 - 850     300 850
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Credit Score Range 550 - 850     300 850
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Maximum Purchase APR 29.99% Maximum Variable APR
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Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
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Credit Score Range 650 - 850     300 850
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Credit Score Range 650 - 850     300 850
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Credit Score Range 650 - 850     300 850
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee N/A Annual Fee
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Purchase APR 26.99% Variable APR
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 29.24% Maximum Variable APR
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 29.24% Maximum Variable APR
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 600 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 28.49% Variable APR
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 600 - 850     300 850
Annual Fee $0 Annual Fee
Starting Purchase APR 27.24% Starting Variable APR
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 27.24% Maximum Variable APR
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 600 - 850     300 850
Annual Fee $0 Annual Fee
Starting Purchase APR 29.99% Starting Variable APR
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 600 - 850     300 850
Annual Fee $0 Annual Fee
Starting Purchase APR 27.24% Starting Variable APR
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 600 - 840     300 850
Annual Fee $0 Annual Fee
Starting Purchase APR 29.24% Starting Variable APR
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Express Next Credit Card

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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 600 - 850     300 850
Annual Fee $0 Annual Fee
Starting Purchase APR 29.24% Starting Variable APR
New York & Company RUNWAYREWARDS Credit Card

New York & Company RUNWAYREWARDS Credit Card

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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 28.24% Maximum Variable APR
Overstock™ Store Credit Card

Overstock™ Store Credit Card

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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 29.24% Maximum Variable APR
Pier 1 Rewards Credit Card

Pier 1 Rewards Credit Card

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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 29.24% Maximum Variable APR
Pottery Barn Credit Card

Pottery Barn Credit Card

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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 29.24% Maximum Variable APR
Roaman's® Credit Card

Roaman's® Credit Card

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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 29.24% Maximum Variable APR
Restoration Hardware Credit Card

Restoration Hardware Credit Card

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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 27.24% Maximum Variable APR
Anne Geddes Visa Card

Anne Geddes Visa Card

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Starting Balance Transfer APR 27.74% Starting Variable APR
Credit Score Range 600 - 850     300 850
Annual Fee N/A Annual Fee
Maximum Purchase APR 26.74% Maximum Variable APR
Orbitz Rewards® Visa®

Orbitz Rewards® Visa®

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Maximum Balance Transfer APR 29.24% Maximum Variable APR
Credit Score Range N/A Credit Score Range
Annual Fee N/A Annual Fee
Purchase APR 18.24% - 27.24%
(Variable APR)
    0% 36% Variable APR
Lexus Pursuits Visa®

Lexus Pursuits Visa®

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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 29.24% Variable APR
Lexus Pursuits Visa® Signature

Lexus Pursuits Visa® Signature

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Balance Transfer APR 27.24% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.24% - 25.24%
(Variable APR)
    0% 36% Variable APR
Toyota Rewards Visa Credit Card

Toyota Rewards Visa Credit Card

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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee N/A Annual Fee
Purchase APR 29.24% Variable APR
Toyota Rewards Visa Signature

Toyota Rewards Visa Signature

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Balance Transfer APR 26.99% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.24% - 25.24%
(Variable APR)
    0% 36% Variable APR
Toyota Credit Card

Toyota Credit Card

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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee N/A Annual Fee
Purchase APR 29.24% Variable APR
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