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OppFi Card: Same-Day Credit Access & No Credit Pull

Cory Santos

| Last updated on October 23rd, 2023

OppFi Card

OppFi Card
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Fair
Mastercard Processing Network
$99 Annual Fee

OppFi Card

  • 35.99% Regular Purchase APR
  • 35.99% Cash Advance APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No security deposit required, no impact to your FICO® score when you apply
  • Payment history is reported to all 3 major credit bureaus. On-time payments may increase your credit score
  • Prevent unauthorized charges by freezing your card if it is misplaced, lost, or stolen
  • 100% US-based customer support available by phone or email
  • Regular Purchase APR: 35.99%
  • Cash Advance APR: 35.99%
  • Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $99
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
  • N/A

At a Glance

Rebuilding your credit score without a credit check is possible, thanks to the OppFi Card. The card offers a $1,000 credit limit, same-day account access, and more for a $99 annual fee.

Ideal for Those Who:

  • Want to repair their credit score without a credit check
  • Have less-than-perfect credit but want an unsecured credit card
  • Plan to pay their statement balance in full every month
  • Want same-day access to their $1,000 credit line

In-Depth Review: OppFi Card

The OppFi Card is a credit builder credit card that allows instant access to a $1,000 credit limit, a simple application process with no credit check, and more for an annual fee of $99.

How to Apply for OppFi

The credit building process with OppFi begins with the initial application. Applying for the card is straightforward. Simply open the OppFi Card mobile app (available for both Apple iOS and the Google Play Store) or apply for the card here. Applying takes minutes, and there is no impact on your FICO® Score.

OppFi uses several metrics to judge an applicant’s creditworthiness – and not just credit score. Besides the basic credit information available from a soft pull of the applicant’s Experian credit file, OppFi also uses employment history, bank account balances, and other information to judge an applicant’s suitability for their credit builder card product.

This application process allows the OppFi Card to provide greater access to credit than some other credit builder credit cards, making it an ideal choice for those with less-than-perfect credit who want to raise their credit score with financially responsible habits.

Same-Day Access to Your Credit Limit

The OppFi Card is one of only a few credit cards for bad credit that provides instant access to the credit line upon approval. Unlike other cards, OppFi provides successful applicants with their full card details, allowing them to use the card the same day through the OppFi Card mobile app and synching the card with Apple Pay or Google Pay.

The credit limit with the OppFi Card is $1,000, which is an excellent starting credit limit for anyone seeking to improve their credit – or make the jump from a secured card to an unsecured credit card.

Fixed APR on Purchases

The OppFi Mastercard features a fixed APR of 35.99% on purchases and cash advances. While this rate isn’t exceptional (and is higher than the average APR for a credit repair card), it does not vary based on creditworthiness, meaning you won’t have to stress about getting a higher rate because of bad credit.

High interest rates can worry those planning to carry a balance on their card but should pose no issues for anyone looking to boost their credit score. Because payment history is the single biggest impactor of your FICO® Score and VantageScore, paying the statement balance in full each month eliminates the impact of the APR while building a history of on-time payments.

OppFi regularly reports to the major credit bureaus. Because the card offers regular credit reporting, paying on time, keeping your overall credit use down, and following good financial habits can help you raise your credit score over time.


The OppFi Card Mastercard charges several fees consumers should be aware of before applying. While there is no program or application fees, the card does charge an annual fee of $99. This annual fee is average for the marketplace and competitive given the larger-than-average credit limit the OppFi Card offers.

The card also features a foreign transaction fee of 2% of the transaction in U.S. dollars when using the OppFi Card for foreign purchases (including some international websites). The average foreign transaction fee for a credit card is 3% of the charge, making the rate with OppFi competitive.

Other fees include a $39 charge for late payments and returned payments and a cash advance fee of either $5 or 5% of the amount of each cash advance, whichever is greater.

Other Card Features

Other notable features of the OppFi Mastercard Credit Card include:

  • Access to 100% U.S.-based customer support by email and phone
  • Ability to prevent unauthorized charges through freezing the card either in the app or by phone or email
  • EMV chip technology, including Tap & Go™ contactless payments and mobile wallet compatibility
  • Mastercard Zero Fraud Liability coverage

Should You Apply for the OppFi Card Mastercard?

The OppFi Card is an exciting credit builder card thanks to its easy application process, straightforward credit line, and same-day credit access. Most credit repair and credit builder credit cards require the applicant to wait up to several weeks before accessing their new card – not so with OppFi. Simply download the app and gain access to your $1,000 credit limit the same day by adding the card to Apple Pay or Google Pay.

The card doesn’t require a hard pull on your credit file is another benefit – significantly if your credit is damaged. Too many hard inquiries can negatively impact your credit score, so voiding them is ideal for rebuilding. Plus, OppFi relies on additional information (such as banking and employment history) to get a better picture of an applicant’s suitability for the card – meaning bad credit won’t hold you back necessarily.

Overall, the OppFi Card Mastercard is a great card offer for those looking to make the jump from a secured credit card to an unsecured card. Instant credit access, a decent credit limit, and a reasonable annual fee make the ideal package to jumpstart your credit repair journey.

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