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  Oriental Bank MasterCard Gold PUNTOS Credit Card
Oriental Bank MasterCard Gold PUNTOS Credit Card
in Credit Cards from Oriental Bank
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Oriental Bank MasterCard Gold PUNTOS Credit Card

Unaffiliated
in Credit Cards from Oriental Bank
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Highlights
Purchase APR  (Variable APR) 9.7 - 19.7
Balance Transfer APR  (Variable APR) 9.7 - 19.7
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

  • Competitive APRs. Oriental Bank MasterCard Gold PUNTOS Credit Card has a variable purchase APR that ranges from 9.7% up to 19.7%.
  • Annual fee waived 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 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 Oriental Bank MasterCard Gold PUNTOS Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 1.99%.
  • No balance transfer fee.
  • Annual fee waived during the first year.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere Oriental Bank MasterCard Gold PUNTOS Credit Card is accepted.
  • Oriental Bank MasterCard Gold PUNTOS Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $25
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.

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.

Oriental Bank MasterCard Gold PUNTOS Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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 up to 6 months.

Oriental Bank MasterCard Gold PUNTOS Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 1.99
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 9.7 - 19.7

Does Oriental Bank MasterCard Gold PUNTOS Credit Card have an intro APR offer on new purchases?

Oriental Bank MasterCard Gold PUNTOS Credit Card Purchase Intro Offer
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 up to 6 months.

What are the fees for Oriental Bank MasterCard Gold PUNTOS Credit Card?

The following fees apply:

Oriental Bank MasterCard Gold PUNTOS Credit Card Fees
Fees Amount
Annual Fee $25
Foreign Transaction Fee 1%
Returned Payment Fee $10
Late Payment Fee up to $35

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 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 Oriental Bank MasterCard Gold PUNTOS Credit Card customer service number 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 Oriental Bank MasterCard Gold PUNTOS Credit Card login page?

You can access the Oriental Bank MasterCard Gold PUNTOS Credit Card login page 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 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 Oriental Bank MasterCard Gold PUNTOS Credit Card

  • Visit the Oriental Bank MasterCard Gold PUNTOS 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 8:30am - 4:00pm
  • Tuesday 8:30am - 4:00pm
  • Wednesday 8:30am - 4:00pm
  • Thursday 8:30am - 4:00pm
  • Friday 8:30am - 4:00pm
  • Saturday 9:00am - 1:00pm

About Oriental Bank MasterCard Gold PUNTOS Credit Card

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Feature Breakdown

Introductory Rate 1.99
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum 2
Cash Advance Fee (%) Up to 2
Minimum Cash Advance Fee ($) 2 - 10
Foreign Currency Transaction Fee 1
No Annual Fee First Year
Annual Fee $25
Minimum Interest Charge 1.5
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee 10
Late Fee Amount Up to 35
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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Price Protection
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 22.74
APR Type Variable APR
Balance Computation a method called “Average Daily Balance (including new purchases)”.
Penalty APR (Variable APR) 29.99
Purchase APR (Variable APR) 9.7 - 19.7
Balance Transfer Introductory APR (Variable APR) 1.99
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 9.7 - 19.7
Card Type
  • Rewards
Card Network Mastercard

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