The OppFi® card was especially designed for individuals with credit scores that fall within the categories of Poor or Bad credit. Therefore, if you have a credit score of 300+ you already qualify for this credit card.

The OppFi® card offers cardholders a maximum credit limit of $1,000. From this $1,000 credit limit the card will get its $99 annual fee, which leaves you with an actual credit limit of $901.

The OppFi® card is a Mastercard credit card. Therefore, it is accepted anywhere Mastercard is accepted, which gives you over 44 million merchant locations all over the world where you can use your OppFi® card.

When you apply for the OppFi® card, the card does not perform any hard inquiries to make sure you qualify. Therefore, it does not impact your credit score negatively when you apply for this card. However, when you use your card it does report to all three major credit bureaus. This means you should strive to make regular on-time payments so that your credit report looks good and helps you improve your credit score.

The OppFi® card does not offer pre-approval. If you are interested in applying for the OppFi® card, you will have to do it without the benefit of checking whether you are pre-approved before applying. However, since this card was designed for applicants with Poor or Bad credit, odds are you will get approved if you apply for the card.