Oportun Visa Credit Card | Benefits & Eligibility Criteria

Introducing the Oportun Visa Credit Card: Designed to meet diverse financial needs, the Oportun Visa Credit Card offers a range of advantages and benefits to cardholders. 

With potential perks like cashback rewards, low-interest rates, and flexible payment options, it aims to provide a rewarding credit experience. 

Purchase APR (Variable APR) 24.90% – 29.90%(Verified 08/04/2023)
Balance Transfer APR N/A
Credit Score Range 300 – 850
Annual Fee $0 – $49

About the Oportun Visa Credit Card:

The Oportun Credit Card, issued by WebBank, is one of a handful of credit cards that can make a path to credit easier for those with no credit history. 

Oportun Visa Credit Card Benefits

After a pilot period, it officially became available in most states as of August 2021. As of this writing, the card was unavailable in Colorado, Iowa, Washington, Maryland, D.C., West Virginia, and Wisconsin.

The major feature that sets this credit card apart from competitors is that it does not require a Security number or bank account to qualify. 

Like other so-called alternative credit cards by fintech companies, Oportun’s proprietary technology can look at factors like payment history, rent payments, income, cash flow, and more.

Lacking a credit history alone isn’t enough reason to get this card, as other credit cards can offer more value. But the Oportun Visa Credit Card could be a good choice if you also lack a Social Security number or bank account. 

Oportun Visa Credit Card Benefits:

Here are the benefits

  • A+ rating by the Better Business Bureau
  • Zero fraud liability
  • 24/7 online account management

Why We Choose Oportun Visa, Credit Card?

The Oportun Visa Credit Card might be a good fit for people with limited or no credit history. 

And since your payment history will be reported to the major credit bureaus, having this card and keeping it in good standing can help you establish positive credit. 

But to apply for the Oportun Visa Credit Card, you’ll have to live in a state where it had offered and be willing to pay a higher APR. 

Oportun Visa Credit Card Highlights:

Here are the highlights

High APRs:

It could be a better card for people who carry a balance. It has a variable purchase APR that ranges from 24.90% up to 29.90%.

Rewards program:

This card offers rewards on your purchases, but you will have to pay an annual fee of up to $49 for the privilege.

No foreign transaction fee: 

This credit card doesn’t charge a fee when you make a secure purchase that passes through a non-native bank or is in a currency other than the U.S. dollar, which makes it a great card to carry when traveling abroad.

Poor credit accepted:

This card will consider people who need better credit. Even with poor credit, you may still have good approval odds.

Oportun Credit Card Summary:

The card details are here

Annual Fee $0 – $49
APR 24.90% to 29.90% variable
Foreign transaction fee None
Reports to all three credit bureaus? No, only TransUnion and Equifax
Other perks and benefitsDon’t require a credit score to apply

Credit-Building Features:

There’s no minimum credit score required to open the Oportun Credit Card. The application page says, “Prior credit history is not required to qualify.” 

And this card can help you build positive credit if you consistently make timely monthly payments. These are reported to two national credit bureaus, building credit history, creditworthiness, and your credit score. 

Oportun Credit Card Basics:

Annual Fee: 

$0 – $49, depending on creditworthiness

Welcome bonus: 




Other perks and benefits: 

Applications will be considered even for those who still need a credit score, a bonus for anyone who lacks a credit history but has proof of income.

Does it report to all three credit bureaus:

No, but it reports to two major bureaus: Equifax and TransUnion.

Does the issuer offer a preapproval tool: 

No, but you may extend prequalification offers by mail.

Recommended credit score: No credit/limited credit.

What Else to Know about the Oportun Visa Credit Card:

Here’s more information about the Oportun Visa Credit Card that you should consider.

Ability to prequalify:

You can check to see if you qualify for the credit card without affecting your credit scores.

No rewards program:

This card doesn’t offer points or cash back for making purchases.

Not available in all states:

Check to see if the card is available in your state before applying.

Flexible payment options:

Cardholders can make payments online, over the phone, by mail, or in person using cash at any MoneyGram location.

Bilingual customer service:

Need help? Oportun offers customer support in both English and Spanish.

Credit Score Eligibility Criteria to Get Oportun Visa, Credit Card:

  • There is no credit history wanted to get the credit card. 
  • That said, most applicants have a credit score in the low-to-mid 600s.

Starting Credit Limit for the Oportun Visa Credit Card:

The starting credit limit for the Oportun Card is $300. So everyone approved for a fresh account is guaranteed a minimum of $300 in spending power.

Everyone can, in time, qualify for a higher and big credit limit. To upgrade your odds of being granted a higher limit, always pay your card bills on time and work on your credit score and income.

Oportun Credit Card Requirements:

Here are the requirements

  • Credit requirement: limited credit or better
  • Age requirement: 18+
  • Citizenship requirement: U.S. citizen or permanent resident
  • ID requirement: SSN or ITIN
  • Income Requirement: At least enough to afford monthly bill payments

Steps in getting an Oportun Visa Credit Card:

Here’s the process you go through when getting a credit card.

  • Prequalification (optional)
  • Application
  • Approval
  • Delivery
  • Activation

Before submitting a formal credit card application, you should see if you prequalify with a lender. It can help you narrow down your choices without harming your credit score.

A formal credit application calls for a difficult inquiry into your credit card, which temporarily lowers your credit score. 

But prequalification is considered an easy inquiry, which does not affect credit score.

Prequalifying for a card doesn’t guarantee you’ll approve of one. But it does mean that you meet the lender’s most basic requirements. It can speed up the process when you apply to that lender.


Applying for an Oportun credit card generally takes only some minutes. 

You will probably have to answer questions about your job, income, age, and where you live.

Oportun Visa Credit Card Apply

You could apply for a card online, by phone, in person, or by mail. Applying by mail is late, taking a few business days to weeks. 

Applying online often gets an immediate response—you could find out if you had approved within a few seconds of submitting your application.


Once a lender has received the application, they will check your credit score. Some lenders have stricter requirements than others. 

If your score is low or your DTI is high, the lender may want to investigate your application in detail before issuing you a credit card. It can take the approval process longer.

By law, a lender must inform you if you’re approved or declined for a card within 30 days of receiving your application. If you’ve declined, you can always apply again with another lender.


When do you get approved for the credit card you want? Congratulations! You can expect it to take 7 to 10 business days for your new credit card to arrive in the mail.

Look for a plain envelope: 

Lenders want to prevent theft, so they only indicate inside the envelope that it contains a credit card. If you had chosen a personal identification number (PIN) for you, it would usually arrive in a separate envelope to prevent theft.

You can pick up a temporary credit card generally takes only some minutes—card at your local lender’s branch.

Often you can begin using an account even before you receive the physical card. Log on to the lender’s website and look for your virtual card. This information allows you to make purchases after approval, even if you still need the card.


There’s just one last thing you must do after taking your new credit card: Call the activation number listed in the letter you received that comes with the card and follow the instructions.

Some lenders allow you to activate your credit card online.

Now you’re all set.

Pros & Cons of Oportun Visa Credit Card:

Here are the pros and cons of the Visa credit card.

  • Global Entry/TSA Pre
  • Identity Theft Protection.
  • Considers applicants who need a credit history.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Oportun Visa Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • It does not offer a signup bonus
  • You don’t earn rewards on every purchase.


  • Contact Number: (866) 488-6090
  • Email: hello@Oportun.com


Oportun is a financial services company that influences its digital platform to give responsible consumer credit to hardworking people. It is very useful to everyone.


Is Oportun a Visa or Mastercard?

The Oportun Credit Card, issued by WebBank, is one of a handful of credit cards that can facilitate a path to credit for those with no credit history.

What score do you need for the Oportun credit card?

The Oportun Card is available to people who need a credit score, limited credit history, or better. You can’t have bad credit and expect to get approved. The card can also help users improve their credit score by reporting account information to the major credit bureaus each month.

What is the annual Fee for the Oportun credit card?

The Oportun Credit Card’s annual Fee is $0 – $49, with the exact amount depending on an applicant’s credit history, income, debt, and other such factors.

What bank owns Oportun?

Oportun is not a bank. Oportun offers the direct deposit account (Direct℠) via its bank partner Pathward, N.A., Member FDIC. It also offers personal loans in certain states through its partner Pathward, N.A., and credit cards through its partner WebBank, N.A.

How to get a credit card with a 512 credit score?

A secured credit card is the perfect type for a 512 credit score. Secured cards give applicants with bad credit high approval odds and have low fees because holders are required to place a refundable security deposit. The amount you put down becomes your credit limit.

Does Oportun do a difficult credit check?

If you decide to begin with the loan application, Oportun will perform a hard credit inquiry at that time, which could lower your scores by a few points. When you apply, Oportun will prompt you to provide several documents.

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