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  Orange Countys CU Mastercard Credit Card
Orange Countys CU Mastercard Credit Card Unaffiliated

Orange Countys CU Mastercard Credit Card

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 14.24
Balance Transfer APR  (Variable APR) 14.24
Credit Score Range 500 - 850
Annual Fee $0

Orange Countys CU Mastercard Credit Card Review

This is a secured credit card 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 of 14.24%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Orange Countys CU Mastercard Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair credit.
  • Orange Countys CU Mastercard Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Charges a 2% balance transfer fee.
  • Does not include many credit card benefits.

Orange Countys CU Mastercard Credit Card FAQ

Does Orange Countys CU Mastercard Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

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 of 14.24%. The card has a variable balance transfer APR of 14.24% . 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:

Orange Countys CU Mastercard Credit Card Fees
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 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 2:00pm

About Orange Countys CU Mastercard Credit Card

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View all credit cards offered by Orange County's Credit Union

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Cash Advance Fee Minimum 5
Cash Advance Fee (%) Up to 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
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 18.24
APR Type Variable APR
Balance Computation a method called “Average Daily Balance (Including Current Transactions).”
Purchase APR (Variable APR) 14.24
Balance Transfer APR (Variable APR) 14.24
Balance Transfer Fee Minimum 5
Balance Transfer Fee % 2
Card Type
  • Secured
Card Network Mastercard

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