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Overcome your debts, pay your bills on time, and have everything you need on one card. Become credit friendly again!

The Oportun® Visa® Credit Card is perfect for rebuilding credit!


With the Oportun® Visa® Credit Card, you’ll be able to get a chance of approval even with a fair credit score. Moreover, this can be the perfect credit card for rebuilding your credit or paying your bills after your credit history is hurt. Plus, you won’t find extremely high fees with this card!


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Feeling a little bit interested? Maybe your feelings you be confirmed after you read this card’s four main benefits below.

A minimum credit history is required;
Annual fees range from $0 to $49;
Increase your limit overtime;
Application is easy and fast.

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The Oportun® Visa® Credit Card is a groundbreaking financial tool designed to make credit accessible for everyone.

Whether you’re new to credit or don’t have a traditional banking setup, this card opens the door to financial inclusivity.

It offers a unique blend of features tailored to help you start or build your credit journey. Lets meet its advantages and potential downsides.

Advantages to Enjoy

  • Accessibility for Newcomers: Perfect for those starting their credit journey, especially useful for individuals without a traditional credit history.
  • No Social Security Number Required: A standout feature for non-citizens or those without a Social Security number, ensuring broader financial inclusion.
  • Alternative Credit Evaluation: Uses innovative technology to assess creditworthiness based on non-traditional criteria like rent and income.
  • Cash Payment Option: Offers the flexibility to pay the bill with cash at MoneyGram locations, a boon for those without bank accounts.
  • Wide Availability: After a successful pilot phase, it’s now accessible in most states, widening its reach.
  • Backed by WebBank: Issued by a reputable institution, ensuring reliability and adherence to banking standards.
  • Consumer Protection Focus: Passed scrutiny by the Consumer Financial Protection Bureau, adding a layer of trust and reliability.

Disadvantages to Keep an Eye On

  • Limited State Availability: Not accessible in certain states, including Colorado and Iowa, restricting its availability for residents there.
  • Potential Additional Fees: Paying bills at MoneyGram locations might involve extra fees, increasing the overall cost of using the card.
  • Lack of Rewards Program: Does not offer rewards or cashback, limiting its appeal for those seeking additional benefits from their credit card.
  • No Bank Account Benefits: Lacks the advantages that come with linking to a bank account, such as automatic payments or direct deposit benefits.
  • Basic Card Features: Offers fewer perks and benefits compared to other credit cards, which might be a drawback for some users.
  • Limited Credit Building Features: While it helps in establishing credit, it may not offer advanced features for credit building or management.
  • Cash Payment Inconvenience: Paying in cash at physical locations can be less convenient compared to online or bank-linked payments.

In conclusion, the Oportun® Visa® Credit Card is a pioneering solution for those seeking to enter the world of credit.

Its unique approach to credit assessment and accessibility makes it a valuable tool for those often overlooked by traditional financial institutions.

While it may lack some of the perks and conveniences of more established credit cards, its inclusivity make it a noteworthy option in the credit card market.

Oportun has a reputation for having extremely flexible credit score requirements. As a result, approved applicants must typically have a credit score between 300 and 700 to qualify. But those with no credit history are also eligible.

The Oportun® Visa® Card is a WebBank-issued credit card. It is one of the few cards that can help individuals with no credit history establish credit. After a pilot period, it became officially available in most states as of August 2021. Now, it is currently inviting people to test their cashback program.

The entire application process can take less than ten minutes. That is, if you submit all required documents correctly. The majority of applicants who are approved receive their funds on the application date. it is that easy.

The Oportun® Visa® Card, unlike other credit products available to individuals whose current financial status is limited or presents a poor credit history, is unsecured and offers beginning credit lines of up to $1,000.

Yes. However, be aware that a cash advance fee will be charged whenever you use your Oportun® Visa® Card for cash withdrawals at an ATM. The Oportun® Visa® Card cash advance fee is 3% (min $10) per transaction. Or whichever is higher.

If you need a helping hand, check the following link to learn how you can easily apply for the Oportun® Visa® Credit Card using our easy guide.

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.

However, the Oportun® Visa® Credit Card is not the only option that can help you build up your score. If you’re looking for alternatives, there’s more.

The FIT™ Platinum Mastercard® offers an initial $400 credit limit, which you can double after a period of timely payments!

Explore the link below to learn more details about the FIT™ Platinum Mastercard® and how simple it is to apply for it online.

FIT™ Platinum Mastercard®

How to apply for the FIT™ Platinum Mastercard®

Start repairing your damaged credit score with this easy-to-use everyday credit card! See how to apply for the FIT™ Platinum Mastercard® today.

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