Orchard Bank® Classic MasterCard®
For Bad or Fair Credit to Help Rebuild Credit
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Quick Card Summary
- An excellent credit card for rebuilding bad credit scores; reports to 3 major credit bureaus monthly
- Email and text messages to remind you of your upcoming payment due date with online enrollment
- Acceptance at millions of locations worldwide, including website purchases and reservations
| Ongoing APR | Setup Fee | Annual Fee | Credit Bureau Reporting | Credit Required |
|---|---|---|---|---|
| 14.99% or 19.99%, or 7.99% for secured cards | $0-$39 (based on credit worthiness) |
$0-$59 first year; $35-$59 per year thereafter |
Yes | Bad or Fair Credit |
Creditnet's Full Review
Orchard Bank understands how difficult it can be for people with bad or fair credit to be approved for a credit card. So instead of requiring you to apply for multiple cards at once hoping to be approved for just one, Orchard Bank lets you fill out just one application and then matches you with the card that best fits your credit profile. Whether it be the Platinum, Gold, Classic, or Secured card, this card will help you to build or rebuild your credit history and establish better credit.
Not only will your Orchard Bank® Classic MasterCard® provide you with the opportunity to build or rebuild your credit, it also comes with built-in benefits you can enjoy on a daily basis. Use your card worldwide at millions of locations, wherever MasterCard® cards are accepted. You can even use your card to make reservations and online purchases. Tracking your account information is easy since information is updated and at your fingertips 24/7. And to help with your goal of building or rebuilding credit, your Orchard Bank® Classic MasterCard® can send you email and text message reminders when you have an upcoming payment due!
Terms and conditions of your card will vary based on which card best fits your credit profile and will be disclosed to you prior to the processing of your application. For example:
Platinum Card:
Purchase APR: As low as 14.99%
Processing fee: $0
Annual fee: $39 - $59
Gold Card:
Purchase APR: 19.99%
Processing fee: $19
Annual fee: $49 the first year, and $59 per year thereafter
Standard Card:
Purchase APR: 19.99%
Processing fee: $39
Annual fee: $29 in year one and $59 each year thereafter
Secured Card:
Purchase APR: 7.99%
Processing fee: $0 ($200 min. security deposit required)
Annual fee: $35 (waived during first year)
Applying for an Orchard Bank® Classic MasterCard® is quick and easy. Simply fill out one online pre-qualification form, view the cards recommended to you based on your credit profile, and apply! You'll not only receive competitive interest rates, but you'll also receive a card tailored to your credit profile to help you start rebuilding your credit.
Regardless of which card fits your current credit profile, you're taking a step in the right direction by rebuilding your credit history with the help of Orchard Bank.
Apply today through Creditnet.com!
Creditnet's Expert Rating & Review
Favorite Card Features: We like that this card gives people with bad or fair credit a chance to show they can be responsible with credit.
Least Favorite Features: Processing fees, no rewards, low initial credit limit.
Our Final Take: The reality is you've got bad credit. But Orchard Bank® is willing to give you another chance. You may have to pay a processing fee and be limited in what you can charge to this card due to a low credit limit, but once you've shown you can be responsible with credit again, opportunities for higher credit limits and rewards will come. This is one of our highest recommended credit cards for people with less-than-stellar credit.
Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.
| Intro APR: | n/a | ||
| Intro Period: | n/a | ||
| Ongoing APR: | 14.99% or 19.99%, or 7.99% for secured cards | ||
| Penalty APR: | 29.99% | ||
| Balance Transfers | Cash Advances | ||
|---|---|---|---|
| Intro APR✝ : | n/a | Intro APR✝ : | n/a |
| Intro Period: | n/a | Intro Period: | n/a |
| Ongoing APR: | 14.99% or 19.99%, or 7.99% for secured cards | Ongoing APR: | 20.9% |
| Penalty APR: | 29.99% | Penalty APR: | 29.99% |
| Transfer Fee: | n/a | Advance Fee: | 5% |
| Min. Transfer Fee: | n/a | Min. Advance Fee: | $5.00 |
| Max. Transfer Fee: | n/a | Max. Advance Fee: | n/a |
| ✝ Must initiate transfer: | n/a | ||
| Other Rates | Credit Line | Penalty Fees | |||
|---|---|---|---|---|---|
| Foreign Transaction Fee: |
3% | Min: | n/a | Late Payment: | $30 if balance <= $1000; $35 if balance > $1000 |
| Min. Interest Charge: | $1.00 | Max: | n/a | Over the Credit Limit: | $19 if credit limit <= $250; $30 if credit limit > $250 |
| Returned Payment | n/a | ||||
