Oportun® Visa® Credit Card full review

If you're looking for a card that accepts fair credit and has good fees, read our Oportun® Visa® Credit Card review to learn more!


by Thais Daou

Published on 10/22/2022

Oportun® Visa® Credit Card: prequalify with limited credit history

Oportun® Visa® Credit Card
Prequalify in minutes without compromising your credit score. Source: Oportun

If you are looking for a credit card but have a limited credit history, then our Oportun® Visa® Credit Card review is definitely worth checking out.

Oportun® logo

Applying for the Oportun® Visa® Credit Card

If you are considering applying for an Oportun® card, here's some valuable information to guide you. We'll walk you through their process.

This is because it is possible for you to prequalify, in Oportun’s own words, within minutes. And no credit history will be asked of you.

  • Credit Score: fair credit score
  • Annual Fee: $0 – $49
  • Regular APR: 24.9% – 29.90%, on purchases
  • Welcome Bonus: none
  • Rewards: none

How does the Oportun® Visa® Credit Card work?

woman smiling holding a bag and a credit card
See below how you can use the Oportun® Visa® Credit. Source: Adobe Stock

The Oportun® Visa® Credit Card is simpler than traditional credit cards. With it, paying your bills online is as easy as logging in to your account and making one-time or recurring payments.

You can have the product of your choosing: checking or savings accounts, debit cards, and Oportun also allow you to apply for personal loans.

Oportun® Visa® Credit Card pros and cons

This credit card offers many benefits but can also have some downsides. So, read our list of pros and cons below!


This credit card has many pros that you should pay attention to. They range from credit lines of up to US$ 1,000 to zero fraud liabilities.

All these, in addition to providing 24/7 online account management while you make your daily purchases at grocery and gasoline stores domestically and worldwide.


Although this Oportun credit card’s benefits make this product a winner, there are a few cons you must consider, depending on how you want to use your new credit card.

First of all, there are no membership fees. And, despite the news that there is an Oportun® Cash Back Visa® Credit Card on the way, there are still no signs of rewards or bonuses for their credit holders.

Lastly, this card has a high regular APR compared to other credit products.

Does my credit score need to be good?

This is the most important section of this Oportun® Visa® Credit Card review. Because the answer is no, it does not need to be good.

However, it is important that you understand that they do run both a soft and a hard credit pull. So, you need to be sure that you understand this concept.

Briefly explained, although you can be qualified for this card with a poor or fair credit score, their credit pull may be able to affect your score.

But do not be upset. Because Oportun monthly reports your account behavior to credit bureaus around the country, they have the power to help you build a good credit history.

Want to apply for the Oportun® Visa® Credit Card?

If, after reading this Oportun® Visa® Credit Card review, you feel like you are willing to apply for it, we recommend that you go and read our how-to-apply article on this credit card.

Oportun® Visa® Credit Card

Applying for the Oportun® Visa® Credit Card

If you are considering applying for an Oportun® card, here's some valuable information to guide you. We'll walk you through their process.

About the author

Thais Daou

Thais Daou holds an undergraduate degree in Languages — Translating and Interpreting from São Judas Tadeu University. She has been translating, proofreading, and transcribing financial documents, as well as other fields, for five years. And now, she begins a new chapter in her career, writing about financial solutions in a simplified way, with a desire to spread this knowledge.

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