OPT Credit Card – Benefits, Features, and How to Apply

Do you shop at OPT and look for a convenient way to pay and save? The OPT Credit Card might be just what you need. In this post, we will explore the ins and outs of this store credit card, including its benefits, features, rates and fees, application process, and more.

OPT Credit Card

Whether you’re a frequent OPT shopper or considering this card for the first time, this guide will provide all the information you need to make an informed decision.

OPT Credit Card

OPT is a popular retailer known for its trendy and affordable clothing, accessories, and home goods. With the OPT Credit Card, you can enjoy exclusive discounts, special offers, and the convenience of paying for your purchases over time. Plus, with no annual fee, this card could be a cost-effective addition to your wallet.

It’s important to understand the card’s features, fees, and potential drawbacks before applying. This post will provide you with everything you need to know to determine if the OPT Credit Card is the right option for your shopping and financial needs.

Benefits of the OPT Credit Card

While the OPT Credit Card doesn’t offer a traditional rewards program or cash back, it does provide some valuable benefits for frequent OPT shoppers:

  • Reward Certificates: For every $150 you spend on your OPT Credit Card, you’ll receive a $10 reward certificate to use on future purchases.
  • Free Shipping: When you use your card for your first online order of $25 or more, you’ll enjoy free standard shipping.
  • Annual Savings: The card promises up to $200 in savings each year, including a special birthday discount.
  • Exclusive Offers: As a cardholder, you’ll have access to exclusive sales, promotions, and discounts throughout the year.
  • No Annual Fee: The OPT Credit Card has no annual fee, making it a cost-effective option for those who shop at OPT regularly.

Advantages and Disadvantages of the OPT Credit Card


  • The card provides a $10 reward certificate for every $150 you spend using it.
  • New cardholders receive free standard shipping on their first online order of $25 or more when using the card.
  • Cardholders can save up to $200 per year through special offers and discounts, including a birthday bonus.
  • Using the card allows for safe, secure shopping without paying an annual fee.
  • There is no annual fee for holding the OPT Credit Card.
  • The card reports your credit activity and payment history to the major credit bureaus.


  • The card carries high-interest rates on balances.
  • There is no signup bonus offered for new cardholders.
  • The card does not provide a cashback or general rewards program.
  • You only earn rewards in the form of certificates on purchases of $150 or more, not on every purchase.

Features of the OPT Credit Card

In addition to the benefits mentioned above, the OPT Credit Card comes with several features that make it a convenient and secure option for your shopping needs:

  • Zero Fraud Liability: The card protects you from unauthorized charges if someone loses or steals your card.
    Reports to Major Credit Bureaus: The card reports your payment history to the major credit bureaus (Experian, Equifax, and TransUnion), which can help build your credit score if you make payments on time.
  • Online Account Management: Easily access your account online to view statements, make payments, and manage your rewards.

Rates and Costs

While the OPT Credit Card offers some nice perks, it’s important to understand the rates and fees associated with the card:

  • Annual Percentage Rate (APR): The variable APR for purchases can go up to 29.24% (as of December 2023). This is higher than the average credit card APR, so it’s best to pay off your balance in full each month to avoid accruing interest charges.
  • Minimum Interest Charge: If you have a balance, you’ll be charged a minimum interest charge of $2.
  • Late Payment Fee: A late payment fee of up to $38 may be assessed if you miss your due date.
  • Returned Payment Fee: If a payment is returned, you may be charged up to $38.

How to Apply for the OPT Credit Card

Applying for the OPT Credit Card is a straightforward process. Here’s what you’ll need to do:

  • Visit the OPT website or a physical store location.
  • Click on the “Credit Card” link or ask an associate about applying.
  • Fill out the online application or paper form with your personal and financial information.
  • Review the terms and conditions, and submit your application.

You’ll typically receive a decision within a few minutes for online applications or a few days for paper applications. If approved, your new credit card will arrive in the mail within 7-10 business days.

How to Activate Your OPT Credit Card

Once you receive your new OPT Credit Card in the mail, you’ll need to activate it before making any purchases. Here’s how:

  • Locate the sticker on your new card with the activation phone number.
  • Call the number and follow the automated prompts to activate your card.
  • You may need to provide some personal information for verification purposes.
  • Once activated, your card is ready to use!

Login Guide

To access your account online and take advantage of convenient features like e-statements, payment scheduling, and reward tracking, you’ll need to create an online profile. Here’s how:

  • Visit the OPT credit card login page: comenity.net/opt
  • Click on “Register” to create a new online account.
  • Follow the prompts to enter your personal and card information.
  • Set up your username, password, and security questions.
  • Once logged in, you can view your account details, make payments, and more.

If you forget your login information, you can retrieve it by clicking the “Forgot Username/Password” links on the login page.

How to Make OPT Credit Card Payments

Staying current on your payments is crucial for avoiding late fees and maintaining a good credit score. Here are a few ways to make payments on your OPT Credit Card:

  • Online: Log in to your account at comenity.net/opt and make a payment from your bank account or another credit card.
  • By Phone: Call the customer service number on the back of your card to make a payment over the phone.
  • By Mail: Send a check or money order to the payment address listed on your statement.
  • In-Store: Visit an OPT retail location and make a payment with cash, check, or your credit card.

Contacting OPT Credit Card Customer Service

If you need to speak with a customer service representative about your OPT Credit Card account, you can reach them by calling the dedicated customer service phone number at 1-855-796-9632.

Other Frequently Asked Questions

Can I use my OPT credit card anywhere, or is it a store-only card?

You can only use the OPT Credit Card at OPT stores and opt.com. The OPT Credit Card is not a general-purpose credit card that allows usage elsewhere.

How do I redeem my reward certificates?

You can redeem your earned reward certificates at checkout, either in-store or online at opt.com.

Is there a limit to how many reward certificates I can earn?

There is no annual limit on the number of reward certificates you can earn with the OPT Credit Card.

What credit score do I need to get approved for this card?

A: OPT doesn’t publish specific credit score requirements, but generally, you’ll have a better chance of approval with a credit score of 650 or higher.


The OPT Credit Card can be a valuable tool for frequent shoppers at OPT, offering exclusive discounts, reward certificates, and special promotions. With no annual fee, it can be a cost-effective way to enjoy these benefits.

It’s essential to be mindful of the higher APR and potential fees and to make on-time payments to avoid interest charges and maintain a good credit score. By understanding the card’s features, benefits, and potential drawbacks, you can decide if the OPT Credit Card aligns with your shopping habits and financial goals.

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