Skip to main content
Oriental Bank

Oriental Mastercard

This credit card is recommended for people with the following credit scores: 620-719 and 720+

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.

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

14.95% – 23.95%* Purchase APR

*As of . Advertised purchase APRs change over time. 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 19.55%
2 dollar sign symbols
Pay average interest
720+ 19.55%
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 Introductory APR

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 average daily balance excluding new purchases
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 Annual fee
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 (If the customer payment is returned, a $10 fee is charged and included in the next billing cycle.)

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, Master Card Global Services
Card features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)
  • Secured Lock

Balance transfer interest rate and fees

0%* Balance transfer APR for 12 months
+
Variable Balance transfer fee, see details

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

*As of . 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

27.99%* Cash advance APR
+
Variable Cash advance fee, see details

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

*As of . 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.