Oriental Bank Oriental Mastercard | Consumer Financial Protection Bureau

Puerto Rico only

Availability

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

Phone

Did you know: This card is from a small bank, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

13.95% – 22.95%*

*As of Dec. 31, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	18.55%	1 dollar sign symbol Pay less interest
720+	20.95%	2 dollar sign symbols Pay average interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

1.99% for 6 months

If a card has promotional interest, ensure you’re on track to pay off the balance within the promotional period, or you could end up owing more in interest than the original purchase amount. Learn more about introductory APR offers.

Foreign transaction fee: 1% of each purchase
Minimum finance charge: A minimum interest payment of $1.50 is required to avoid additional fees
Grace period: 30 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your previous balance
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $25 for the first late payment and $35 for a late payment within six billing cycles of another late payment
Over-limit fee: None
Returned Payment Fee: $10 (Returned check)

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Services

Extension on manufacturer’s warranty
ID Theft Protection, Purchase Protection, Mastercard Global Services

Card features

Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Secure Lock

Balance transfer interest rate and fees

0%*

+

Variable

Balance transfer fee details: Min $2 - Masx $10 not exceeding 2%

*As of Dec. 31, 2024. Advertised balance transfer APRs change over time. Check rates before applying.

After 12 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

26.99%*

+

Variable

Cash advance fee details: $2 Min - $10 max, not exceeding 2%

*As of Dec. 31, 2024. Advertised cash advance APRs change over time. Check rates before applying.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.