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  Oriental Bank MasterCard Standard Credit Card

Oriental Bank MasterCard Standard Credit Card

in Personal Credit Cards from Oriental Bank

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Oriental Bank MasterCard Standard Credit Card

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in Personal Credit Cards from Oriental Bank

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Highlights
Purchase APR  (Variable APR) 9.7 - 18.7
Balance Transfer APR  (Variable APR) 9.7 - 18.7
Credit Score Range 600 - 850
Annual Fee 0

Oriental Bank MasterCard Standard Credit Card Review

This is a credit card issued by Oriental Bank. If you're wondering whether Oriental Bank MasterCard Standard Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Oriental Bank MasterCard Standard Credit Card has a variable purchase APR that ranges from 9.7% up to 18.7%.
  • 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase protection, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Oriental Bank MasterCard Standard Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 1.99%.
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Oriental Bank MasterCard Standard 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 Standard Credit Card FAQ

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

No, it does not offer a rewards program.

What are the Oriental Bank MasterCard Standard 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 Standard 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 9.7% up to 18.7%. The card has a variable balance transfer APR that ranges from 9.7% up to 18.7%. 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 Standard 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 Standard Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 1.99
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 9.7 - 18.7

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

Oriental Bank MasterCard Standard 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 Standard Credit Card?

The following fees apply:

Oriental Bank MasterCard Standard 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 Standard Credit Card have a foreign transaction fee?

Oriental Bank MasterCard Standard 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 Standard Credit Card?

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

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

Yes, Oriental Bank MasterCard Standard 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 Standard Credit Card

  • Visit the Oriental Bank MasterCard Standard 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 Standard Credit Card

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Feature Breakdown

Introductory Rate 1.99
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee 0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum 2
Cash Advance Fee (%) Up to 2
Minimum Cash Advance Fee ($) 2 - 10
Foreign Currency Transaction Fee 1
Minimum Interest Charge 1.5
Returned Payment Fee 10
Late Fee Amount Up to 35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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 600 - 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
Balance Computation a method called “Average Daily Balance (including new purchases of goods and services)”.
Penalty APR (Variable APR) 29.99
Purchase APR (Variable APR) 9.7 - 18.7
Balance Transfer Introductory APR (Variable APR) 1.99
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 9.7 - 18.7
Card Type
  • Low Interest
Card Network Mastercard

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