We’re inviting a few people to apply early, but we can’t wait to bring the Oportun Visa Credit Card to our community. Learn more.

Have a card? Log in or activate now.

The Oportun Card is coming

The Oportun® Visa® Credit Card makes credit accessible and easy to manage.

  • Affordable credit
  • Accepted worldwide
  • No credit history needed to apply
  • 24/7 online account management
  • Start establishing credit history
  • Friendly support in English and Spanish

Be the first to know when the application is open to everyone.

Zero fraud liability
Feel secure knowing you’re protected

No security deposit
You don’t have to put down cash to get credit

Convenient payment options
Pay your bill online, by mail, by phone, or even with cash

A card without the stress

From buying products online to making your monthly payment with cash, the Oportun Card was designed to give you choices. We believe that credit should be simple and set you up for success. Because when you succeed, our community thrives.


Voices from our community

Every time you go into Oportun, they make you feel like family. They will also help you with your credit score.


Voices from our community

I was tired of all the nos. Once I found out about Oportun, all that went away. There’s not a no. There’s a yes. Approved. You’re qualified.


Voices from our community

The help that Oportun has given me will always stay in my heart. They always give me a chance. They never fail me.


Voices from our community

The loan was easy. The people were friendly. I do feel like a part of the community.


Voices from our community

I think having good credit in the U.S. is indispensable. Thanks to Oportun, they gave me the opportunity to start building my credit and reach my goals.


Ready to get started?

If you already have an offer code or need to activate your card, we’re ready to take the next step with you.

Respond to offerActivate card


How do I apply for a credit card?

We’ll soon be opening the credit card application to everyone. Right now, you can only apply if you’ve received a prequalified offer letter. Prequalification is non-transferable, so only the person who received the invitation can apply.

Sign up for emails, and we’ll let you know when everyone can apply..

Credit cards

What documentation do I need to apply for a credit card?

You’ll need:

  • A valid photo ID, such as a driver’s license, passport, consular ID card, or a non-U.S. ID card (we accept identification from most countries)
  • Proof of income, such as current paystubs or bank statements
  • Proof of address, such as a piece of mail with your name and address (cannot be a PO box)
  • Valid offer code from a prequalified offer letter—but we’ll be opening the application up to everyone soon
Applications, Credit cards

How do I accept a credit card offer I got in the mail?

Applying is simple. Confirm your offer hasn’t expired and go to You can also accept your offer by calling 855-613-0070. We’re ready to help from 8 am­–8 pm CT Monday–Friday, and 9 am–7 pm CT on weekends and holidays.

Applications, Credit cards
All questions