About the Card
No security deposit required, no impact to your FICO® score when you apply.3
How It Works
1. You Apply
Apply online or in the OppFi Card app with no impact to your FICO® score.3
2. We Review
Don’t worry if your credit is less than perfect – we consider your bank account and employment history for approval decisions.5
3. You Spend5
Start spending the same day you’re approved by accessing your full card information in the app or adding it to Apple Pay™ or Google Pay™.
Benefits and Features
Build Credit History
Payment history is reported to all 3 major credit bureaus. On-time payments may increase your credit score.
100% US-Based Support
Reach a US-based representative by email or phone for any application or account need.
Freeze Your Card
Prevent unauthorized charges if your card is misplaced, lost or stolen with a few taps in the app or by email or phone.6