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  Oriental Bank MasterCard Secured Credit Card
Oriental Bank MasterCard Secured Credit Card
in Credit Cards from Oriental Bank
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Oriental Bank MasterCard Secured Credit Card

Unaffiliated
in Credit Cards from Oriental Bank
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Highlights
Purchase APR  (Variable APR) 14.7
Balance Transfer APR  (Variable APR) 14.7
Credit Score Range 500 - 850
Annual Fee $0

Oriental Bank MasterCard Secured Credit Card Review

This is a secured credit card card issued by Oriental Bank. If you're wondering whether Oriental Bank MasterCard Secured Credit Card is the right card for you, read on.

Key Takeaways

  • Competitive APRs. Oriental Bank MasterCard Secured Credit Card has a variable purchase APR of 14.7%
  • 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.
  • 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase protection, and fraud protection.
  • 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 Oriental Bank MasterCard Secured Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Considers applicants with fair credit.
  • Oriental Bank MasterCard Secured 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.

Oriental Bank MasterCard Secured Credit Card FAQ

Does Oriental Bank MasterCard Secured Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Oriental Bank MasterCard Secured Credit Card benefits?

It provides the following benefits:

  • Extended Warranty Protection
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Oriental Bank MasterCard Secured 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 Secured Credit Card has a variable purchase APR of 14.7%. The card has a variable balance transfer APR of 14.7% . It also has a variable cash advance APR of 22.74% .

Does Oriental Bank MasterCard Secured Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

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

Oriental Bank MasterCard Secured 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 Secured Credit Card?

The following fees apply:

Oriental Bank MasterCard Secured Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee $10
Late Payment Fee up to $35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Oriental Bank MasterCard Secured Credit Card have a foreign transaction fee?

Oriental Bank MasterCard Secured 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 Secured Credit Card?

The Oriental Bank MasterCard Secured Credit Card customer service number is (787) 761-3717.

What is the support contact email for Oriental Bank MasterCard Secured Credit Card?

The support contact email for Oriental Bank MasterCard Secured Credit Card is lmitigation@orientalbank.com.

What is the Oriental Bank MasterCard Secured Credit Card login page?

You can access the Oriental Bank MasterCard Secured Credit Card login page here.

How do people rate the customer service and user experience of Oriental Bank MasterCard Secured Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Oriental Bank MasterCard Secured Credit Card report your account activity to credit bureaus?

Yes, Oriental Bank MasterCard Secured 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 Secured Credit Card

  • Visit the Oriental Bank MasterCard Secured 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 Secured 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
Annual Fee $0
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 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 22.74
APR Type Variable APR
Balance Computation a method called “Average Daily Balance (including new purchases of goods and services)”.
Purchase APR (Variable APR) 14.7
Balance Transfer APR (Variable APR) 14.7
Card Type
  • Secured
Card Network Mastercard

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We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.