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1 Star Rating
DONT GET THIS CARD THEY RIP YOU OFF,YOU MUST PAY 3 DAYS BEFORE TIME OR YOU GET A LATE CHARGE !!!i HAD THIS CARD AND IT WAS THE WORST CARD I EVER HAD !!!
Product: OppFi Credit Cards
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No Credit Cards available from OppFi
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OppFi Credit Card Reviews
3.2
21 reviews
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4 Star Rating
Verified CustomerThe credit card is absolutely fine there is an annual fee but there is for most cards there is no monthly maintenance fee that is critical they did give me $1,000 credit limit so I've been very happy so far
Product: OppFi Credit Cards
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5 Star Rating
Applied with 625 credit score and got approved with 1000 credit limit for the CREDIT CARD. Which is the highest credit limit I've ever had on a credit card. Usually pay off my whole balance each month. They probably hold the funds for a week (which might be a problem for some) before they apply it to available credit. They also give you immediate access to a virtual credit card while your physical card is being shipped to you. I now have a 680 Credit score less than 6 months having the card, which I think had a significant impact on me credit score rising.
Product: OppFi Credit Cards
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1 Star Rating
There is no way to apply for a credit card if you do not get an access code in the mail. I have tried to apply for credit but am not able to get to the application because I have not been invited to apply. so if you do not get an offer through some form where they send you a code you will not be able to apply for credit. this card is by invitation ONLY
Product: OppFi Credit Cards
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1 Star Rating
Not available in my state (MD) with no information or roadmap of when it might be later -- nothing online explains this and there's very little information on the website at all.
Product: OppFi Credit Cards
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Per their Cardholder agreement, they do allow Maryland in their network. You may want to call
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OppFi Credit Card Q&A
Get answers to your questions about OppFi Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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11
UpvotesHow can I log in to my OppFi Card account online?
Reply
Chip Lupo
To log in to your OppFi® Card account, open your OppFi mobile app and enter your username and password in the appropriate fields. Then, click login button to access your online account.
How to Log In to a OppFi Card Account
- Go to the OppFi Card login page.
- Fill out the username and password fields with your credentials.
- Click login button to access your account.
After you have logged in, you'll be able to manage your OppFi Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
6
UpvotesDoes the OppFi Card have pre-approval?
Reply
Chip Lupo
You cannot check for OppFi Card pre-approval. OppFi does not offer pre-approval through its website, so anyone interested in applying for the OppFi Card will have to do so without the benefit of checking for pre-approval beforehand. However, if you received an invitation offer for the OppFi Card, you can enter your offer code on the website.
You can, however, use WalletHub's CardAdvisor tool instead and learn how easy it is to find the right credit card...
1
UpvoteWhat credit score do you need for the OppFi Card?
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Maria Adams
The OppFi Card accepts people with a 500+ credit score. That means people with bad credit can get approved for this card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the OppFi Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
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4
UpvotesIs the OppFi Card a good first time credit card?
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Chip Lupo
The OppFi® Card works as a first-time credit card since it is available to people with bad credit. It is not the best choice for a first-time credit card, though, because it charges an annual fee of $99.
Best First-Time Credit Cards
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- Cash Back:
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- Details, Rates & Fees Best Rewards:
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- No Credit Check:
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- No Credit Check:
- Overall:
- Students:
- Cash Back:
- Best Rewards:
- No Credit Check:
You can learn more about the best first-time credit cards on WalletHub.
4
UpvotesIs OppFi Card metal?
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Chip Lupo
The OppFi® 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 OppFi Card and a metal credit card, though, so don't dismiss the OppFi Card just because it isn't metal. If you like the card's terms and benefits, you should still consider applying.
Metal credit cards are usually expensive luxury cards. Some popular examples of metal credit cards...