Reviews (US)

OppFi® credit card full review

If you carry a bad credit score, you must face many challenges and obstacles to get good financial products and services. But, today, on this OppFi® credit card review, you will learn how to get a second chance!

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by Aline Augusto

Published on 03/09/2022

OppFi® credit card: build your credit history!

See what are the benefits of this card. Source: The Mister Finance.
See what are the benefits of this card. Source: The Mister Finance.

OppFi® credit card review is about a credit card featured by a company committed to providing opportunities to its customers to rebuild financial health.

It facilitates credit access at the same time as it enables savings so you can build wealth.

It offers credit cards and loans for those who are locked out of traditional and usual options.

As part of its social impact strategy, OppFi provides outstanding customer service, with high service-level standards and 100% US-Based Support.

Check out how it works!

Credit ScoreBad
Annual Fee$99
Regular APR35.99%
Welcome bonusNone
RewardsNone
OppFi® credit card logo

How to apply for an OppFi® Credit card?

Build your credit history with an OppFi® credit card! See how the application works!

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How does the OppFi® credit card work?

The newest addition to OppFi is its credit card. This card considers credit scores that are less than perfect and helps you rebuild your credit history.

Since it reports to all three major credit bureaus, you can increase your credit score if you manage to pay your bills on time.

Also, it features an outstanding card app, where you can manage your transactions, card information, and add it to your mobile wallet.

Furthermore, you can stay supported by a 100% US-Based representative by phone or email anytime you need help.

The application is easy, and you can start using your card on the same day you are approved. The process considers your bank account and employment history, so you don’t have to worry about impacting your FICO® score.

Moreover, you can freeze your credit card with a few steps to prevent fraud if stolen, lost, or misplaced.

Finally, you must know that it charges a $99 annual fee, a 35.99% APR, and the credit limit is pretty reasonable at $1,000.

Now, check the complete list of pros and cons below!

OppFi® card benefits

Keep reading our OppFi® credit card review. Source: Canva.
Keep reading our OppFi® credit card review. Source: Canva.

Although it doesn’t offer rewards or sign-up bonuses, this card allows you to apply without worrying about impacting your credit score.

In fact, it helps you build and rebuild credit history since it reports to all three major credit bureaus. 

So if you manage to hold your card and bills responsibly, you can increase your score significantly. 

Furthermore, you get access to a fantastic team to support you, as well as a great mobile app where you can manage everything you need.

Pros

  • It considers bad credit scores for the application;
  • You can apply online without worrying about affecting your credit score;
  • It reports to all three major credit bureaus;
  • You can build your credit history;
  • It provides excellent US-Based support;
  • It features an outstanding mobile app.

Cons

  • It charges an annual fee;
  • The APR is relatively high;
  • It doesn’t offer rewards or welcome bonuses.

How good does your credit score need to be?

You don’t need a perfect credit score to apply for the card. It requires only your bank account and employment history for approval decisions.

Also, the application doesn’t affect your FICO® score.

How to apply for OppFi® credit card?

Learn how to apply for this credit card so you can start building your credit history right away!

OppFi® credit card logo

How to apply for an OppFi® Credit card?

Build your credit history with an OppFi® credit card! See how the application works!

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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