Orion FCU Credit Card

Orion FCU Credit Card Review

This is a card issued by Orion Federal Credit Union. If you're wondering whether orion fcu credit card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• Competitive APRs. Orion FCU Credit Card has a variable purchase APR that ranges from 13.49% up to 17.99%.
• 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 emergency support, extended warranty protection on purchases, identity theft protection, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 580.

Pros & Cons of orion fcu credit card

The Good

The Bad

Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 6 months. No balance transfer fee. 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 13.49% up to 17.99%. No annual fee. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. Considers applicants with fair credit. Orion FCU 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.

orion fcu credit card FAQ

Does orion fcu credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the orion fcu credit card benefits?

It provides the following benefits:

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

What are the relevant APRs for orion fcu 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.

Orion FCU Credit Card has a variable purchase APR that ranges from 13.49% up to 17.99%. The card has a variable balance transfer APR that ranges from 13.49% up to 17.99%. It also has a variable cash advance APR of 17.99% .

What are the fees for orion fcu credit card?

The following fees apply:

Orion FCU Credit Card Fees

Description
Cash Advance Fee Minimum	$10
Cash Advance Fee (%)	5%
Minimum Cash Advance Fee ($)	Starting at $10
Foreign Currency Transaction Fee	1%
No Annual Fee?
Annual Fee	$0
No Interest Grace Period for Late Payment	21 days
Returned Payment Fee	$28 - $39
Late Fee Amount	$28 - $39

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

Does Orion FCU Credit Card report your account activity to credit bureaus?

Yes, Orion FCU 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 orion fcu credit card

• Visit the orion fcu 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.