The Oportun® Visa® Credit Card is not a metal credit card, as it is made of plastic like most other credit cards. There’s no functional difference between a plastic card like the Oportun Credit Card and a metal credit card, though, so don’t dismiss the Oportun Credit Card just because it isn’t metal. If you like the card’s terms and benefits, you should still consider applying.
After a few months of on-time payments, the issuer might consider you for a higher credit limit. In this case, you’ll receive a letter with details about your new limit. For better chances of being offered an increase, you can also work on improving your credit score and income.
Oportun offers a grace period of 7 to 15 days during which the company will not charge late fees, according to Oportun's website. The exact amount of time will differ from loan to loan. It is important to strive to make your payments on time, though.
WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Oportun® Visa® Credit Card, U.S. Bank Altitude Reserve Visa Infinite® Card, Mastercard® Gold Card, J.P. Morgan Reserve Credit Card, HSBC Elite Credit Card, and The Ritz-Carlton Credit Card
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