Details
Required documents
APR
Credit Limit
Shopping
APR for Cash Advances
Credit Score
Age
Cash Advances
Annual Fee
Late Payment
Returned Payment
Purchases
Gas
Restaurants
The Oportun® Visa® Credit Card is a basic, no-frills credit card designed to assist individuals in building their credit history. One of the key benefits of this card is that it does not require a prior credit history for qualification, making it accessible to those who are new to credit or looking to rebuild their credit profile. However, it is important to note that the card does not offer any rewards or cash-back incentives, focusing solely on providing a straightforward way to establish and improve your credit.
Key Features
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No Credit History Required. You can apply without any prior credit history, making it accessible for those new to credit or looking to rebuild their credit profile.
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Simple Design for Credit Building. The card focuses on the essentials, helping users build or rebuild their credit without unnecessary complexity.
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High Interest Rate. The variable APR ranges from 24.90% to 29.90%, which is relatively high.
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Annual Fee. There is an annual fee that can be up to $49.
Pros and Cons
Pros
Cons
How to Apply for an Oportun® Visa® Credit Card
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Invitation Only. Currently, the Oportun® Visa® Credit Card is accepting new applications by invitation only. You will need to receive an invitation to apply.
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Evaluation in Progress. Oportun is in the process of evaluating strategic options for its credit card portfolio. This means they are selectively inviting applicants based on their criteria.
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Receive and Complete Application Form. If you are deemed eligible, you will receive an application form. Complete and submit this form to proceed with your application.
Infographic
Eligibility Requirements
Reasons You May Be Denied a Credit Card
How to Pay Off Credit Card Debt
Editorial Opinion
The Oportun Visa Credit Card serves as a practical tool for individuals looking to build or rebuild their credit, offering accessibility without requiring prior credit history or a security deposit. While the lack of rewards and the potential annual fee of up to $49 may deter some users, its straightforward design and emphasis on credit improvement make it a valuable option for those prioritizing financial growth over perks. The high variable APR of 24.90% to 29.90% is a consideration for potential users, underscoring the importance of responsible credit management. Overall, the Oportun Visa Credit Card is a solid choice for those focused on establishing a strong credit foundation.
Additional Resources
- How to Apply for an Oportun Loan
- All Oportun Coupons and Promo for May 2025
- Oportun Loans for May 2025
