Credit Cards

Your credit card opens a world of opportunities.

Check out the different options we have available for you.

Mastercard® Standard

0% Introductory APR¹ on balance transfers for first 12 months and 1.99% Introductory APR¹ on purchases for first 6 months. After the introductory rates expire, a regular rate from 13.70% APR1 to 22.70% APR¹ on purchases and balance transfers will apply.¹

$0 Annual Fee.¹

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Additional benefits provided by Mastercard²

Purchase Protection

Provides $200 to $400 in reimbursement for items that are damaged or stolen within 45 days from the date of purchase.

TERMS AND CONDITIONS

Mastercard® Global Service

Provides global emergency assistance for cards through a toll-free phone call. Find toll-free numbers for this service.

TERMS AND CONDITIONS

Extended Warranty

Doubles the original manufacturer’s warranty up to a maximum of 12 months on most of the items.

TERMS AND CONDITIONS

Mastercard® Secured

TERMS AND CONDITIONS

1.99% Introductory APR¹ on purchases for first 6 months. After the introductory rate expires, a regular rate of 18.70% APR1 on purchases will apply.

$0 Annual Fee.¹

Secured with a minimum deposit of $500.

READ CONTRACT

Additional benefits provided by Mastercard²

Purchase Protection

Provides $200 to $400 in reimbursement for items that are damaged or stolen within 45 days from the date of purchase.

TERMS AND CONDITIONS

Mastercard® Global Service

Provides global emergency assistance for cards through a toll-free phone call. Find toll-free numbers for this service.

TERMS AND CONDITIONS

You can also get:

Easy transactions:

Using your card is fast and secure with the new contactless technology. To pay, look for the icon at the payment machine, bring your card over to finish payment and that’s it. If the machine does not have this technology, you can pay with your chip or magnetic strip. Using your card creates a unique code associated with your card that helps you detect fraudulent transactions.

SecurLOCK™:

An easy-to-use application that allows you to receive real-time alerts of your transactions, activate or deactivate your card instantly, set spending limits, and more. Safe, simple, and free! Download the app.

Frequently Asked Questions

How can I pay my credit card?

There are several ways to make your payment:

Visit Access your accounts on the menu and choose between:
- The eZ Card page. Access it in the menu, under Credit Card.
- Your Online Banking at the Pay Bill section, or the Account Summary section in Personal Banking
- The platform of My Payments
By phone, call 1.877.541.5739 Monday through Friday from 7:00 a.m. to 7:00 p.m. and Saturdays from 8:00 a.m. to 5:00 p.m.

Where can I get my Mastercard credit card agreement?

This is the Agreement of your Mastercard credit card.

How can I avoid paying interest on my everyday purchases?

To avoid paying additional interest on your monthly purchases, you can pay the balance on your itemized statement in full by the due date. On the other hand, if you only make the minimum payment, your transactions will be added to the total balance and they may generate financing charges, better known as interest.

What's the minimum age to apply for an Oriental Credit Card?

The minimum age to apply for a credit card is 18 years.

Can I view my transactions online?

Of course, click here to register your card and view your transactions, among other features such as managing alerts, making payments on your card, viewing your transaction history and more.

What if I can’t pay off the monthly purchases made in that cycle?

It’s simple. They will be added to your credit card’s outstanding balance, and you will only have to pay the required minimum monthly payment. It is important to always make the minimum payment to avoid late payment fees, penalties and other charges, under the terms of your account.

What does APR mean?

The annual percentage rate (APR) is a measure of the cost of credit, expressed as a yearly rate and applied to any outstanding balance on the credit card each month. The APR can also be used to make a standard comparison with other credit cards.

If I already have multiple credit cards from other banks, what can I do to consolidate them?

If you have cards in other banks and want to consolidate, call us at 1.877.541.5739 to find out about the different offers and complete the application.

How can I report a stolen or lost card?

Call us toll free, 24 hours a day, 7 days a week at 1.877.541.5739 and one of our representatives will assist you with the process.

How do I get the PIN for my credit card?

Call us toll free, 24 hours a day, 7 days a week at 1.877.541.5739.

Contact us to get your card!

St. Croix: 340-778-5350 | St. Thomas: 340-774-0037 | Sales: 1.844.872.6842

Disclosures

Subject to credit approval. Certain terms, conditions and restrictions apply. 

(1) For further details on charges, interest rates and penalty fees please refer to the terms and conditions link 

(2) Insurance and services offered directly by MasterCard International. MasterCard® is a registered trademark of MasterCard International Region LAC and is used by the licensed issuer. Payment Protection Plan insurance is optional. Cost of $ .82 per $100 balance. Oriental will not condition the decision of your credit on the purchase of insurance, or your agreement not to obtain insurance from an unaffiliated entity. The Bank will not reject insurance presented by you for your transaction when it meets the coverage requirements, financial soundness and the services provided by the insurer. Insurance products are not a deposit or obligation of, or guaranteed by, the Bank or its affiliates, are not insured by the FDIC or any other agency of the United States, the Bank, or its affiliates 

To collaborate with the government in the fight against the financing of terrorism and money laundering activities, the federal law requires that every financial institution obtain, verify and record information that allows identifying any person who opens an account. For you this means that when you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We will also request that you show us your driver’s license or other identification documents. In addition, Effective May 2018, EACH time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number, % Ownership as well as identification documents) for each individual that has beneficial ownership (25% or more) and one individual that has significant managerial control of the Legal Entity. If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation (Certification of Beneficial Owner) and to certify that this information is true and accurate to the best of your knowledge.