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Xtreme Rewards Credit Card

Orlando Credit Union

One State/TerritoryVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
15.74–18%
Annual fee
None
0% intro
1.99%
0% transfer
1.99%
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
17.75%
620–719
17.75%
720+
16.75%
Lowest offered15.74%
Median16.75%
Highest offered18%

Introductory purchase APR

Promotional window: 6 months

No score
—
≤619
—
620–719
5.49%
720+
1.99%
Lowest offered1.99%
Median—
Highest offered6.99%

Balance transfer APR

Promotional window: 6 months · grace period retained on purchases

No score
—
≤619
—
620–719
5.49%
720+
1.99%
Lowest offered1.99%
Median—
Highest offered6.99%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered17.75%
Median17.75%
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feegreater of 1% or $10
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$25

Late fee policy: $25.00 or the amount of the required minimum payment, whichever is less, if you are 7 or more days late in making a payment.

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
Services

None reported

Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityOne State/Territory
StatesFL
Membership requirementsOpen to the public
Phone800-953-4567
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 1.99%$24.88
You save$275.13

Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 16.75% afterwards.

Cost to carry a balance
Interest for a year at 16.75%$502.50
Annual / periodic fees$0
Total yearly cost$502.50

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

7 documents filed by Orlando Credit Union in the 2026 Q1 archive.

All 7 agreements

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