Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Credit Score Range
Annual Fee
OPT Credit Card Review
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 you have a fair credit score or better.
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?
| Description |
- 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%. OPT Credit Card does not offer balance transfers.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. OPT Credit Card does not offer 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the customer service phone number for OPT Credit Card?
How do people rate the customer service and user experience of OPT Credit Card?
Does OPT Credit Card report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Comenity Bank perform a hard credit pull?
How to apply for OPT Credit Card
- Visit the website of OPT Credit Card.
- 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.
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Hours of Operation
Other Services by Comenity Bank
Other Credit Cards from Comenity Bank
Purchase APR
Balance Transfer APR
Credit Score Range
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
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SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+100
OPT Credit Card Community Reviews
Would you recommend OPT Credit Card to your friends?
Robelys F.
May 28, 2022
May or may not recommend
Showing 1 of 1 reviews
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