Credit Cards

Oportun® Visa® Credit Card review

See if the Oportun® Visa® Credit Card is right for you. Find out how it works and what makes this credit card unique from other cards available on the market in this comprehensive review.


Oportun® Visa® Credit Card: Get a credit line up to $1,000!

Oportun® Visa® credit card
This review will tell you everything about this Visa credit card! Source: The Post New.

The Oportun® Visa® Credit Card gives you a great way to manage your money and build good credit at the same time, as you’ll see in this review.

Oportun® Visa® credit card

Oportun® Visa® Credit Card application

Learn about the simple application process for the Oportun® Visa® Card – a card that helps people build credit history with affordability.

With a modest annual fee and a good starting credit line, it’s easy to pay down debt, buy what you need, and start rebuilding credit.

You’ll get access to helpful features like monthly statements that show how much you owe and how quickly your credit is improving.

The Oportun® Visa® Credit Card makes it simple to take control of your finances so you can start building a brighter tomorrow today!

  • Credit Score: You can have access to this card with a fair score and a limited credit history.
  • APR: It’s a standard variable APR between 24.90% and 29.90%.
  • Annual Fee: It varies between $0 and $49 according to your creditworthiness.
  • Fees: $10 or 3% cash advance fee, up to $35 on late and returned payments.
  • Welcome bonus: There’s no current offer.
  • Rewards: The Oportun® Visa® has no rewards currently. 

You can get an unsecured starting credit limit up to $1,000 for a worldwide accepted card. Pre-qualification only takes a couple of minutes, and it doesn’t harm your credit score. 

With the Oportun® Visa® Credit Card, you can get a fresh start and make decisions with confidence.

Keep reading our full review to see how this card can help you get back on track and start building a better financial future. 

Oportun® Visa® Credit Card: how does it work?

Issued by WebBank, Member FDIC, the Oportun® Visa® Credit Card is open to consumers all over the country, with the exception of residents in CO, DC, IA, MD, WI, and WV.

This card is a great choice for those who need to build or rebuild their credit.

It offers an initial credit limit of up to $1,000 and reports your payments to the three major credit bureaus, helping you establish or improve your credit score.

Oportun also has excellent customer service and no hidden fees, so you can focus on improving your credit and building financial stability.

The APR is a little on the high side, going up to 29.90%, which is why you should always avoid carrying a balance.

Significant benefits and disadvantages you may find

Oportun® Visa® credit card
Use this credit card in every purchase to build your credit score. Source: Canva.

The Oportun® Visa® Credit Card offers all cardholders a chance at better credit. However, there are a couple of drawbacks you should know before applying.

Check the advantages and disadvantages below. 


  • All credit types have a chance to get this card;
  • Pre-qualification performs only a soft inquiry;
  • Initial credit limits between $300 and $1,000;
  • Reports all account activity to the three main credit bureaus;
  • Worldwide acceptance with no foreign transaction fees;
  • Mobile app for easy account management 24/7;
  • Zero Fraud liability.


  • Not available in all 50 states;
  • The Oportun® Visa® card variable APR is very high;
  • No rewards, no sign-up offer for new applicants.

Is a good credit score required for applicants?

No, a good credit score is not required for applicants.

The Oportun® Visa® Credit Card is designed for people who may have been denied credit in the past or have low credit scores.

It provides access to credit and works with its customers to build a better financial future.

Learn how to apply and get a Oportun® Visa® Credit Card

The Oportun® Visa® Credit Card is a great choice if you’re looking for an easy way to build or rebuild your credit.

Oportun works with those who have limited or no credit. It offers a wide range of features and benefits that can help make managing your finances easier. 

Follow the link below to learn how the application process works, and how you can easily request your card today. 

Oportun® Visa® credit card

Oportun® Visa® Credit Card application

Learn about the simple application process for the Oportun® Visa® Card – a card that helps people build credit history with affordability.

About the author  /  Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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