Last Updated: 07/28/2025
Oriental Bank MasterCard Gold PUNTOS Credit Card
Unaffiliated
in Credit Cards from Oriental Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
9.7% - 19.7%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
9.7% - 19.7%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$25
Oriental Bank MasterCard Gold PUNTOS Credit Card Review
This is a rewards card issued by Oriental Bank. If you're wondering whether Oriental Bank MasterCard Gold PUNTOS Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Oriental Bank MasterCard Gold PUNTOS Credit Card has a variable regular purchase APR that ranges from 9.7% up to 19.7%.
- $0 intro annual fee for the first year. Oriental Bank MasterCard Gold PUNTOS Credit Card gives you the chance to have the card for a year without paying the $25 annual fee.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Oriental Bank MasterCard Gold PUNTOS Credit Card
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Oriental Bank MasterCard Gold PUNTOS Credit Card FAQ
Does Oriental Bank MasterCard Gold PUNTOS Credit Card have a cash back or rewards program?
Oriental Bank MasterCard Gold PUNTOS Credit Card is a rewards card.
| Description |
Does Oriental Bank MasterCard Gold PUNTOS Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Oriental Bank MasterCard Gold PUNTOS Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Oriental Bank MasterCard Gold PUNTOS Credit Card benefits?
Oriental Bank MasterCard Gold PUNTOS Credit Card provides the following benefits:
- Extended Warranty Protection
- Price Protection
- Reports to major credit bureaus
What are the relevant APRs for Oriental Bank MasterCard Gold PUNTOS Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Oriental Bank MasterCard Gold PUNTOS Credit Card has a variable purchase APR that ranges from 9.7% up to 19.7%. The card has a variable balance transfer APR that ranges from 9.7% up to 19.7%. It also has a variable cash advance APR of 22.74% .
Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Oriental Bank MasterCard Gold PUNTOS Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.99% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 9.7% - 19.7% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Oriental Bank MasterCard Gold PUNTOS Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 1.99% on qualified purchases for a period of 6 months.
What are the fees for Oriental Bank MasterCard Gold PUNTOS Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $2 - $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $25.
Does Oriental Bank MasterCard Gold PUNTOS Credit Card have a foreign transaction fee?
Oriental Bank MasterCard Gold PUNTOS Credit Card charges a foreign transaction fee of up to 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 Oriental Bank MasterCard Gold PUNTOS Credit Card?
The customer service number for Oriental Bank MasterCard Gold PUNTOS Credit Card is (787) 761-3717.
What is the support contact email for Oriental Bank MasterCard Gold PUNTOS Credit Card?
The support contact email for Oriental Bank MasterCard Gold PUNTOS Credit Card is lmitigation@orientalbank.com.
What is the login page for Oriental Bank MasterCard Gold PUNTOS Credit Card?
You can access the login page of Oriental Bank MasterCard Gold PUNTOS Credit Card here.
How do people rate the customer service and user experience of Oriental Bank MasterCard Gold PUNTOS Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Oriental Bank MasterCard Gold PUNTOS Credit Card report your account activity to credit bureaus?
Yes, Oriental Bank MasterCard Gold PUNTOS Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Oriental Bank perform a hard credit pull?
Yes, Oriental Bank MasterCard Gold PUNTOS Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Oriental Bank MasterCard Gold PUNTOS Credit Card
- Visit the website of Oriental Bank MasterCard Gold PUNTOS Credit Card.
- 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.
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