The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.

OppFi Card Review

Find a customized quote easily

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

Michael Graw
Michael Graw
May. 03, 20214 min read

OppFiCard summary

OppFi Card offers a credit limit of up to $1,000 with no credit check when you apply. It’s an unsecured card, meaning you don’t need to deposit funds to start spending. The card comes with a 35.99% APR and a $99 annual fee, but it doesn’t charge a one-time fee when you open a new account. Overall, OppFi Card is most suitable for individuals with poor credit who want an unsecured credit card.

Pros

  • No hard credit check when you apply
  • Start spending the same day you’re approved
  • User-friendly mobile app

Cons

  • 35.99% APR on carried credit
  • Maximum $1,000 credit limit

OppFiCard OppFiCard Apply Now

Overview

OppFi Card is a Chicago-based financial services company that offers personal loans, payroll advances, and a single credit card. The company focuses on individuals who have traditionally been left behind by the financial system, including the unbanked and those with bad credit. OppFi Card has a 4.6-star rating with the Better Business Bureau.

OppFi Card is an unsecured card designed for individuals with bad credit. There’s no hard credit check when you apply and no minimum credit score to qualify for approval. Unlike other credit cards that don’t require a credit check, OppFi Card doesn’t come with an account opening fee.

Suitable for?

OppFi Card is most suitable for borrowers with bad credit or without a credit history. It doesn’t require a credit check as part of your application, and applying won’t impact your credit score. Importantly, the company looks at factors like your bank account balance and your employment history when making approval decisions. So even individuals who have been turned away by other credit card companies may qualify for OppFi Card.

OppFi Card is unsecured, so it can be a good option for those who don’t want to turn over a security deposit in order to spend. In addition, like most unsecured credit cards, OppFi Card helps you build your credit by reporting on-time payments to the 3 major credit bureaus. This credit card is also suitable for individuals who are moving from a secured credit card to an unsecured credit card and want to keep building their credit.

OppFi Card comes with a free mobile app for iOS and Android, which allows you to track your transaction and payment history on your smartphone. You can also link your card with Google Pay and Apple Pay for contactless purchasing. 

Interest Rates and Fees 

OppFi Card comes with an interest rate of 35.99% APR and an annual fee of $99. Unlike other credit cards that don’t require a credit check, OppFi Card doesn’t require a one-time account opening fee or monthly fees when you use your card.

OppFi Card can be used overseas, but you’ll pay a 2% foreign transaction fee. Cash advances come with a charge of $5 or 5% of your cash advance, whichever is greater. In addition, late statement payments incur a $39 fee.

OppFi Card comes with a maximum credit limit of up to $1,000. Your credit limit will be determined as part of the application approval process.

Annual Fee
Interest RateForeign Transaction Fee
Late Fee
$99

35.99% APR

2%$39

Rewards & Cashback

OppFi Card does not have any rewards program or cashback offers.

The Application Process

You can apply for OppFi Card online. You’ll need to enter personal details that include your social security number, address, annual income, annual spending, and recent employment history. OppFi Card conducts a soft credit check, which won’t impact your credit score.

In most cases, OppFi Card will make an approval decision instantly. If you’re approved, you’ll receive your card details immediately. You can start using it right away for online purchases or sync it with Google Pay or Apple Pay. Your physical card will be mailed to you in 7-10 days.

Help & Support

OppFi Card prides itself on offering 100% US-based support to all of its customers. You can get in touch by phone or email 8AM-8PM (CT) Monday-Friday and 9AM-2PM Saturday. We called and were connected with a representative within a few minutes.

OppFi Card doesn’t have an online FAQ page or knowledgebase.

Security

OppFi Card uses an EMV chip to keep your information secure when making payments. In addition, your OppFi Card is protected by Mastercard’s zero liability protection policy, which ensures that you’re never responsible for fraudulent transactions made using your card. You also have access to Mastercard’s 24/7 fraud prevention and recovery team.

If your OppFi Card is ever lost or stolen, you can freeze it immediately using the OppFi Card mobile app or by contacting customer service.

OppFi Card itself is accredited with the Better Business Bureau. The company’s personal loans division has an A+ rating. Although OppFi Card’s credit card division is not rated, it has a 4.6-star rating.

FAQ

What is the credit limit for the OppFi Card?

OppFi Card offers a maximum credit limit of $1,000. Your credit limit may be lower based on your credit history and other application factors.

Can I use the OppFi Card to build credit?

OppFi Card reports on-time payments to the 3 major credit bureaus, enabling you to build your credit history and potentially raise your credit score.

Conclusion

OppFi Card is an unsecured credit card tailored for individuals with bad credit or no credit history. There’s no minimum credit score required to apply and no hard credit check during the application process. You can get a credit limit of up to $1,000 with a 35.99% APR and a $99 annual fee. You can start spending with your card the same day you’re approved and track your transactions using the OppFi Card mobile app.

Methodology

This review is based on information from OppFi Card’s website and a quick call to OppFi Card’s customer service team.

OppFiCard OppFiCard Apply Now

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

OppFiCard
OppFiCard
BestMoney.com

Copyright © 2009-2022 Natural Intelligence Ltd. All Rights Reserved.

By using our content, products & services you agree to our Terms of Use and Privacy Policy.

  • About Us
  • Cookie Policy
  • Terms of Use
  • Partner with us
  • Privacy Policy
  • Contact

Designed to help users make confident decisions online, this website contains information about a wide range of products and services. Certain details, including but not limited to prices and special offers, are provided to us directly from our partners and are dynamic and subject to change at any time without prior notice. Though based on meticulous research, the information we share does not constitute legal or professional advice or forecast, and should not be treated as such. Company listings on this site DO NOT imply endorsement. We are not a loan provider or a broker and we do not offer loans or mortgages directly to end users, but only allows users to match with lending partners and platforms that may extend a loan. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. Any matching request submitted through our website does not constitute a loan application and you will have to submit a loan application to the respective lender before the lender provides you with an actual offer. We do not warrant that you will be approved for a loan, nor that you will be offered a loan with the same terms presented on our website.

Insurance services offered through Natural Intelligence Technologies Inc.: Licenses

Reproduction in whole or in part is strictly prohibited.