2023 Oportun Credit Card ReviewsReviews, rates, fees, and customer service info for The Oportun® Visa® Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo foreign feeQualify with limited or no credit historyDoes not require security depositMembership feesNo rewardsHigh regular APR
Info about Oportun® Visa® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
The Oportun® Visa® Credit Card is a legit card for people with limited credit history who want to build a solid credit score, as it reports account information to the major credit bureaus each month. But how good the Oportun Card is depends on the annual fee an applicant is... show more
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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.
How to Log In to a Oportun Credit Card Account
Go to the Oportun Credit Card login page.
Fill out the “Email” and “Password” fields with your credentials.
Click “Log in” to access your account.
After you have logged in, you'll be able to manage your Oportun Credit 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.
If you forget your login information, click “Forgot password” on the Oportun login page. Then, just follow the prompts to reset or retrieve your username or password.
Yes, the Oportun Credit Card does have pre-approval. Oportun actually requires applicants to check for pre-approval before they can apply, so you will have a good idea of your approval odds if you choose to apply. Getting pre-approved for an Oportun Credit Card means that your chances of being approved for an account...
No, there isn't an Oportun Credit Card mobile app at the moment. However, you can manage your card online, by logging in to your account. Among other things, you can use your Oportun Credit Card online account to:
The Oportun Credit Card annual fee is $0 - $49 per year. Oportun Credit Card's annual fee may be higher or lower than the average annual fee among new credit card offers, depending on your creditworthiness. It's not the only fee you need to worry about with the Oportun® Visa® Credit Card...
The Oportun® Visa® Credit Card is a good first-time credit card because it is available to people with limited credit and its annual fee is $0 - $49. This means it's easy to get approved for and inexpensive to own. Responsible use also builds credit, as the Oportun Credit Card reports account info...
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...
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.
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...
Share your insights and review the Oportun® Visa® Credit Card
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2.4
15 reviews
15 reviews
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Greg Bader @gregorybader3
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1 Star Rating
Do you not under any circumstances get this card. It is a scam. I have to mail my payment as soon as I get the bill, although it is not due until the 15th of the month. I have to send payment two- to-three day delivery, tracked, costing me $10. It takes Oppportun Visa at least 10 days to post the payment after receipt! That is even though the tracking shows me that they received the payment a week earlier!
It’s obvious that they are trying to delay payment so they can charge late fees. This card is HORRIBLE! Again, do not get it. It’s junk-a total ripoff.
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Oportun @Oportun
We’d love to help sort this out. Please email your contact information to [email protected] so that we can follow up with you.
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Greg Bader @gregorybader3
@Oportun Thank you. I’m going to try again to do this with the 2 to 3 day delivery, and, if it gets posted within a week or so, I’ll be happy, and I’ll somehow get rid of that comment. I went overboard on it, frankly.
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Jacob @jigsaw_me_78
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5 Star Rating
Verified Customer
Great card for those just beginning their credit or building their limited credit history. 1k/$29 annual fee and easy online payment process. I recommend this card.
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Oportun @Oportun
We love hearing from customers who have had a positive experience. Thanks so much for sharing!
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David @guitarace66
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3 Star Rating
I've had this card for a year now with the same $1000 credit limit. Never received a limit increase. 2 other cards I have with major names gives me regular limit increases. Website takes forever to update and had errors for several months. The good part is I've never had issues with payments. I think I'm going to close the card out now that my credit score has built up.
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Oportun @Oportun
We’re sorry to hear about your experience. Thank you for letting us know. Please email [email protected] so we can look into this.
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jeffrey1989cruze2011 @jeffrey1989cruze2011
Be wary if you close your account that can harm your credit. Just keep it and let it age that helps your credit
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James Smith @fsilva2380
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1 Star Rating
Worst card ever with $49 annual fee and $300 starting credit. Run from this thiefs also costumer service is terrible. I have other cards with no annual fees with $4000 credit limit easy to talk to costumer service. Stay away from the DEVIL.
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Oportun @Oportun
We’re sorry to hear about your experience. Thank you for letting us know. Please email [email protected] so we can look into this.
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nhcharmed179 @nhcharmed179
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1 Star Rating
I have had this card for a year without any issues, I pay every account within a few days of receiving my statements, now for the past few months, Oportun shows my payment, posts it, but still says there is a minimum due, and I always pay more than minimum due, I then get charged a late fee, and they want an extra payment. This is now the second month in a row, yet the past year has been fine. I call and email them repeatedly, and never get a response. Now I see I am not the only person having this issue! Rip off! I have my proof that the account gets paid on time, so now I will lodge an official complaint! I would stay away from this company!
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Jennifer Campis @Jennicampis
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1 Star Rating
This company is ridiculous!!!! I pay my all of my credit cards one full week in advance, at double or greater than the minimum due. THIS COMPANY considers that an "extra payment" and it does not go through as the minimum monthly due.....they literally charged me late fees because I paid my monthly payment early. They told me that if it's not paid ON the due date that it is considered an extra payment and does not go towards it, so I get charged late fee for not doing it on the date due. Now they are making my minimum payment DOUBLE than what it was based on my payment history. This company makes absolutely no sense. Don't bother trying to talk to them either....just makes it worse.
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Louis @Louiepoker
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5 Star Rating
this card came to me with a 300 limit and now has been raised to 850 I use it instead of cash and always pay it off i only use my cards to pay for every day things i would pay cash for.
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Ma Dr @mac_drizzyy
How long did it take for you to get it raised to 850
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Francisco @junior0320_fm
@mac_drizzyy I received a $1000 credit limit on December 26 , I made a huge payment on my first payment and a month later .. January 24 I received another $800 increased. So . in my first 30 days. $ 1800 credit limit. No regrets .
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jeffrey1989cruze2011 @jeffrey1989cruze2011
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5 Star Rating
Been good to me. After two months they doubled my limit. Yes, I had challenges with my credit. But building it back up to get a house. So happy. Oportun has been good to me. I recently had a limit increase after six months. Next month April 2023 will be my one year anniversary. I made payments on time and never had issues, no late fees or delays.
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Webtrade @Webtrade
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1 Star Rating
Received a pre approved visa with a $1000 credit limit. Applied and was approved. Set up my online access and credit limit was $300. Not paying an annual fee for a card with a $300 limit. Seems like a bait and switch. Called to close the account immediately
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Xavier @xfw1228
The offer said “up to 1000” not that you would necessarily get that much, I also was approved for 300 and after reading the other reviews it seems they are quicker than most companies with raising your limit. So you basically took a hard inquiry for no reason for closing the account so soon without giving it a chance
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kaeleb bell @kaelebbell
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1 Star Rating
sent me a pre-approval in the mail and then denied me when i sent in the application. so you dinged my credit even though i only applied due to your pre-approval letter. awful company. would rate 0 if i could. Why is it the consumer is always the one taking the hits?
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