USES

OppFi® Credit Card from First Electronic Bank Review

OppFi® from First Electronic Bank — all information about the credit card.

Updated May 25, 2022
Advertiser Disclosure Our Methodology
First Electronic Bank OppFi®
Apply now
Our Rating:
1.35 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $99 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    35.99%
  • Balance Transfer APR:
    None
Show more

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Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 35.99%
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • None
  • APR for Cash Advances
    • 35.99%
  • How to Avoid Paying Interest
    • Your due date is at least 23 days after the close of each billing cycle. You will not be charged any interest on purchases if You pay Your entire balance by the due date each month. You will be charged interest on cash advances on the transaction date.

Fees

  • Annual Fee
    • $99 annually
  • Fees for Cash Advances
    • Either $5 or 5% of the amount of each cash advance, whichever is greater
  • Return Payment
    • Up to $39
  • Late Payment
    • Up to $39
View all Rates & Fees

Pros & Cons

Pros:
  • No security deposit required
Cons:
  • Annual Fee
  • Foreign Transaction Fee
  • Balance transfers are not available
  • No Intro APR period
  • High APR

Features

Classic
Mastercard
Contactless
  • Free Credit Score
  • Poor Credit

About the issuer

First Electronic Bank
First Electronic Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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See Another Credit Cards in the Bank

First Electronic Bank OppFi® is an option for those, who need Classic features. With an APR of 35.99% and $99 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have No Credit History to Poor (0-579) credit score. With First Electronic Bank OppFi® you will get such features as Free Credit Score, Poor Credit, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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