Fair Credit, Limited History
$0 - $49
24.9% - 29.9% (V)
Balance Transfers Not Allowed
by John Kiernan
May 10th, 2022
No foreign fee
Qualify with limited or no credit history
Does not require security deposit
Membership fees
No rewards
No rewards bonus
No intro APR on purchases
| cash advance fee | 3% (min $10) |
| cash advance APR | 24.90% - 29.90% (V) |
| foreign transaction fee | $0 |
| smart chip | Yes, chip-and-signature |
| max late fee | $35 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Credit line up to $1,000 - get a response in minutes
No security deposit or credit history required to apply
Zero Fraud Liability - you won’t be responsible for unauthorized charges
Automatic reviews for credit line increase
Worldwide acceptance in stores or online
Start establishing credit history - monthly reporting to all 3 major credit bureaus
24/7 online account management - friendly support in English and Spanish
If you are assessed a finance charge, it will be no less than $1.00
Card issued by WebBank, Member FDIC
You must respond directly to this offer to receive these terms. Applications in response to other offers may result in different terms. See the online provider's credit card Cardholder Agreement for details about terms and conditions. Reasonable efforts are made to maintain accurate information. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.
Don't see what you're looking for? Submit your question about Oportun® Visa® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
It usually takes 7-10 business days to get the Oportun Credit Card in the mail after approval. Unfortunately, you cannot get your credit card faster because the issuer doesn't offer expedited shipping.
The starting credit limit for the Oportun Credit Card is $300. So everyone approved for a new account is guaranteed to get at least $300 in spending power.
You can, in time, qualify for a higher credit limit. To improve your odds of being granted a higher limit, always pay... show more
You can get an Oportun Credit Card cash advance at any ATM or bank displaying the Visa logo.
But considering the high fees associated with them, you should avoid doing cash advances altogether. Try paying with your card wherever you can and leave cash advances for emergency situations only.
To cancel an Oportun Credit Card, call customer service at 1 (833) 676-7886 and ask a customer service rep to cancel your card account.
Be aware that if there's a balance remaining on the canceled account, you will still need to make at least the minimum payment every... show more
Cardholders can set up Oportun® Visa® Credit Card. If your Oportun Credit Card is lost or stolen, you'll need to call WebBank credit card customer service at 1 (833) 676-7886 as soon as possible, so they can cancel the card and send you a new one.
That said,... show more
Unfortunately, you cannot download an Oportun Credit Card mobile app, as there isn't any. However, you can manage your card online, by logging into your account. Among other things, you can use your Oportun Credit Card online account to:
You can log in to your Oportun® Visa® Credit Card account by going to the login page on the Oportun website or mobile app and entering your username and password in the appropriate fields. Then, click “Log in” to access your online account.
Yes, the Oportun® Visa® Credit Card does have a late fee of up to $35, which applies when cardholders don't make the minimum payment by the due date. The late fee for Oportun Credit Card is $25, and it will increase to $35 for subsequent late payments within 6... show more
Yes, the [cc-name id=“3273” linked=”true”] does have a late fee of up to [cc-max-late-fee id="3273"], which applies when cardholders don't make the minimum payment by the due date. The late fee for [cc-short-name id=“3273”] is $25, and it will increase to [cc-max-late-fee id="3273"] for subsequent late payments within 6 months.... show more
Share your insights and review the Oportun® Visa® Credit Card
I have had this card for just over 3 months. Personally I wouldn't recommend. Payments can take anywhere from 5 to 10 days to post. My Capital One card is much faster posting payments. I've had numerous problems making purchases online and in-store. Customer service told me is due to cracking down on fraudulent activity. That brings us to customer service. Trying to get a hold of CS is a nightmare. The second nightmare would be speaking to someone that is fluent in English.
+ 1 user submitted a rating without writing a full review
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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Offer last updated: May 10th, 2022 at 16:59 ET
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