Credit Cards

How to apply for the OppFi® credit card?

Learn how the OppFi® credit card application works so you can start building or rebuilding your credit history with this excellent tool!


by Aline Augusto

Published on 03/09/2022

OppFi® credit card application: use your card the same day you get approved!

See how to apply online. Source: The Mister Finance.
See how to apply online. Source: The Mister Finance.

OppFi is a company committed to providing financial products and services that allow people to access credit and build healthy wealth. Now, it features its newest product: the OppFi® credit card. The OppFi® credit card application doesn’t require an excellent credit score. 

Actually, it requires only your bank account and employment history for approval decisions. In addition, it helps you rebuild or build your credit score since it reports to all three major credit bureaus.

Also, if you get approved, you can use your credit card on the same day.

And it doesn’t end there. OppFi card features a fantastic mobile app where you can manage your transactions and set up a mobile wallet and outstanding customer service through 100% US-Based support.

Check out how to apply for it today so you can start a new and healthy financial path!


Credit Card


Mastercard Mobile App

Use your card the same day you’re approved!

You will be redirected to another website


Apply online

Find out how the OppFi® credit card application works! Source: Canva.
Find out how the OppFi® credit card application works! Source: Canva.

Access the OppFi website and select Products. Then, choose the card and click on Apply Now.

After that, enter your personal offer code and continue the application with your personal, contact, employment, and bank account information.

Apply using the app

You can also download the app to complete your application or start a new one. The process is similar to the website.


OppFi® credit card vs. Reflex credit card    

Both credit cards are great options for those who carry a bad credit score. Also, they help you build your credit history.

The annual fees are similar, but the Reflex credit card can feature a lower APR.

Before deciding which is the best for you, read the terms and conditions and stick with us to follow the reviews!

OppFi® credit cardReflex credit card
Credit ScoreBadBad
Annual Fee$99From $75 to $99
Regular APR35.99%From 24.99% to 29.99% (variable)
Welcome bonusNoneNone

So, if you decide to go with a Reflex card, learn how to apply for it today by reading our next post! 

Reflex Mastercard credit card

How do you get the Reflex Mastercard credit card?

Maybe the Reflex Mastercard card can be good for you to rebuild your credit history. So, check out how to get this credit rebuilding card!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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