Orange Countys CU Mastercard Credit Card
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| Purchase APR (Variable APR) | 9.24% - 17.24% |
| Balance Transfer APR (Variable APR) | 9.24% - 17.24% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Orange Countys CU Mastercard Credit Card Review
This is a rewards credit card issued by Orange County's Credit Union. If you're wondering whether Orange Countys CU Mastercard Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. Orange Countys CU Mastercard Credit Card has a variable purchase APR that ranges from 9.24% up to 17.24%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 2% Balance transfer fee. Orange Countys CU Mastercard Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Orange Countys CU Mastercard Credit Card
| The Good | The Bad |
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Orange Countys CU Mastercard Credit Card FAQ
Does Orange Countys CU Mastercard Credit Card have a cash back or rewards program?
Orange Countys CU Mastercard Credit Card is a rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does Orange Countys CU Mastercard Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Orange Countys CU Mastercard Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Orange Countys CU Mastercard Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Orange Countys CU Mastercard Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Orange Countys CU Mastercard Credit Card has a variable purchase APR that ranges from 9.24% up to 17.24%. The card has a variable balance transfer APR that ranges from 9.24% up to 17.24%. It also has a variable cash advance APR of 18.24% .
Does Orange Countys CU Mastercard Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Orange Countys CU Mastercard Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Orange Countys CU Mastercard Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $7 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Orange Countys CU Mastercard Credit Card have a foreign transaction fee?
Orange Countys CU Mastercard Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Orange Countys CU Mastercard Credit Card?
The Orange Countys CU Mastercard Credit Card customer service number is (888) 354-6228.
What is the support contact email for Orange Countys CU Mastercard Credit Card?
The support contact email for Orange Countys CU Mastercard Credit Card is friends@orangecountyscu.org.
What is the Orange Countys CU Mastercard Credit Card login page?
You can access the Orange Countys CU Mastercard Credit Card login page here.
How do people rate the customer service and user experience of Orange Countys CU Mastercard Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Orange Countys CU Mastercard Credit Card report your account activity to credit bureaus?
Yes, Orange Countys CU Mastercard Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Orange Countys CU Mastercard Credit Card
- Visit the Orange Countys CU Mastercard Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
1701 E. St Andrew Place
Santa Ana, CA 92705 USA - (888) 354-6228
- Visit Site
- Email Support
About Orange Countys CU Mastercard Credit Card
Availability
Feature Breakdown
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | 2% |
| Minimum Cash Advance Fee ($) | $5 - $50 |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $25 |
| Late Fee Amount | Up to $7 |
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