Bank · FDIC insured
Oriental Bank Credit Card Rates
Oriental Bank credit cards start at 13.45% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Oriental Bank’s credit card rates compare
Compared with banks and credit unions near San Juan, PR, where Oriental Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Oriental Bank
13.45%APR
- Annual fee
- None
- Up to
- 23.45% APR
Mastercard Puntos
Lowest rate
Caribe Federal Credit Union
8.99%APR
- Annual fee
- None
- Up to
- 18.00% APR
2nd-lowest rate
Puerto Rico Federal Credit Union
9.75%APR
- Annual fee
- $15
- Up to
- —
Oriental Bank credit card score
66
Credit card score
Higher than 16% of U.S. banks and credit unions
- Purchase APRPurchase APR13.45%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Oriental Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Mastercard Puntos
Subject to credit approval. Minimum age 18. Earn 1 point for every $1 in purchases. $0 Annual Fee for the first year. Optional Payment Protection Plan insurance available for $0.82 per $100 balance.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | 1.99% APR on purchases for the first 6 months. $0 Annual Fee for the first year. |
| Ongoing | 13.45%–23.45% | None | Regular rate after 6-month promotional offer expires applies to purchases. $0 annual fee applies only to the first year. |
Sources (2)
All captured Oct 22, 2026
Mastercard Secured
Subject to credit approval. Minimum age 18 (if under 21 but over 18, must present acceptable evidence of emancipation or marriage). Secured with a minimum deposit of $500. $0 Annual Fee. Optional Payment Protection Plan insurance available for $0.82 per $100 balance.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | 1.99% APR on purchases for the first 6 months. Insured/secured with a minimum deposit of $500. $0 Annual Fee. |
| Ongoing | 18.45% | None | Regular rate after promotional period of 18.45% APR applies to purchases. Insured/secured with a minimum deposit of $500. $0 Annual Fee. |
Sources (2)
All captured Oct 22, 2026
Mastercard Standard
Subject to credit approval. Minimum age 18. $0 Annual Fee. Optional Payment Protection Plan insurance available for $0.82 per $100 balance.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% APR on balance transfers for the first 12 months. $0 Annual Fee. |
| Intro, 6 months | 1.99% | None | 1.99% APR on purchases for the first 6 months. $0 Annual Fee. |
| Ongoing | 13.45%–22.45% | None | Regular rate after promotional period applies to purchases. $0 Annual Fee. |
Sources (2)
All captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.