Question 1

Can I get the Oportun Visa Credit Card with a low credit score?

Accepted Answer

Yes, you can potentially obtain the Oportun Visa Credit Card with a credit score as low as 550-580. It is an unsecured credit card, meaning you don't need to make a security deposit, which can be beneficial for those with bad credit.

Question 2

Will applying for this credit card result in a hard credit inquiry?

Accepted Answer

No, the pre-qualification process for the Oportun Visa Credit Card typically does not involve a hard credit inquiry. You can check if you pre-qualify on their website without affecting your credit score.

Question 3

What is the annual fee for the Oportun Visa Credit Card?

Accepted Answer

The annual fee for the Oportun Visa Credit Card can go up to $49. However, some applicants have reported being able to secure the card through Credit Karma with no annual fee.

Question 4

Does the Oportun Visa Credit Card offer any rewards?

Accepted Answer

The Oportun Visa Credit Card does not offer traditional rewards like cashback or points. However, the primary advantage is the opportunity to build or rebuild your credit history, which can be a significant benefit for those with bad credit.

Question 5

Are there other credit card options for people with bad credit?

Accepted Answer

Yes, there are other credit card options for individuals with bad credit. Credit card companies like Capital One, Discover, and Navy Federal Credit Union offer cards for those looking to establish or rebuild their credit. It's advisable to explore multiple options and consider the terms and benefits of each card before making a decision.