Swipe Smart
0% Intro APR for 6 months for balance transfers and purchases. After that variable APR 12.24% – 17.99%
Credit Cards
Orion Financial Credit Cards Have You Covered
With Orion Financial’s range of credit card options, you can swipe smarter, live big, and enjoy the financial freedom that fits your journey—whether you're earning cash back, building credit, or benefiting from low rates and no annual fees.
The Orion Financial Card
0% APR for the First 6 Months
Low Interest Rates – Save more with one of the lowest rates in the market, ideal for large purchases or balance transfers.
- After the intro period, rates as low as 12.24% APR
- No Annual Fee
The Orion Financial Rewards Card
Unlimited 1.5% Cash Back on Every Purchase
Earn unlimited rewards on every purchase, with no annual fees or rotating categories—just straightforward cash back.
- Earn 1.5 points for every $1 spent
- Earn towards travel, gift cards, and statement credits
- 0% APR for the First 6 Months, then rates as low as 17.99%
- No Annual Fee
Rates and Terms in effect as of 12/01/2025 and are subject to change without notice. Applicants must be a resident of Tennessee, Arkansas, or Mississippi. Existing members outside of this service area can contact Orion for more information.
IMPORTANT CREDIT CARD DISCLOSURES
The following disclosure represents important details concerning your credit card. The information about costs of the card is accurate as of 12/1/2025. You can contact us at 901-385-5200 or the address on Page 1 of the Credit Card Agreement to inquire if any changes occurred since the effective date.
INTEREST RATES and INTEREST CHARGES:
| ORION CREDIT CARD | ORION REWARDS CARD | |
| Annual Percentage Rate (APR) for Purchases | 0% Introductory APR for six months from the date of account opening. After that, your Standard APR will be 12.24% to 17.99% depending on your credit history. This APR will vary with the market based on the Prime Rate. | 0% Introductory APR for six months from the date of account opening. After that, your Standard APR will be 17.99% to 17.99% depending on your credit history. This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | 0% Introductory APR for six months from the date of transfer for Balance Transfers. After that, your Standard APR will be 12.24% to 17.99% depending on your credit history. This APR will vary with the market based on the Prime Rate. | 0% Introductory APR for six months from the date of transfer for Balance Transfers. After that, your Standard APR will be 17.99% to 17.99% depending on your credit history. This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 17.24% to 17.99% depending on your credit history. This APR will vary with the market based on the Prime Rate. | 17.99% to 17.99% depending on your credit history. This APR will vary with the market based on the Prime Rate. |
| Paying Interest | Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account. | |
| Minimum Interest Charge | None | |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau. | |
FEES:
Fees to Open or Maintain your Account •Annual Fee: • Application Fee: | None None |
Transaction Fees • Balance Transfer: • Cash Advance: • Foreign Transaction: | None 5% of the amount of each cash advance (minimum: $10.00) 1% of each transaction in U.S. dollars if the transaction involves a currency conversion 1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion |
Penalty Fees:
| Up to $28 the first time your payment is late 15 days or more. If you make a subsequent late payment within the following 6 billing cycles, you will be charged up to $39 for each late payment. None Up to $28 the first time your payment is returned for any reason. If a subsequent payment is returned for any reason within the following 6 billing cycles, you will be charged up to $39 for each returned payment. |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.