Orchard Bank® Classic MasterCard®
For Bad or Fair Credit to Help Rebuild Credit
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| Ongoing APR | Setup Fee | Annual Fee | Credit Bureau Reporting | Credit Required |
|---|---|---|---|---|
| 7.90%-28.90% | $0-$39 | $35-$79 | Yes | Bad or Fair Credit |
Creditnet's 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, the secured card carries a variable purchase APR of 7.9%, a setup/processing fee of $0, and an annual fee of $35, which is waived for your first year. Unsecured Orchard Bank cards carry a variable purchase APR of between 14.9% and 24.9%, annual fees between $39 and $79, and a one-time process fee between $0 and $39, depending on your creditworthiness.
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!
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: | 7.90%-28.90% | ||
| Penalty APR: | 29.49% | ||
| Balance Transfers | Cash Advances | ||
|---|---|---|---|
| Intro APR✝ : | n/a | Intro APR✝ : | n/a | Intro Period: | n/a | Intro Period: | n/a |
| Ongoing APR: | 7.90%-28.90% | Ongoing APR: | 20.9% |
| Penalty APR: | 29.49% | Penalty APR: | 29.49% |
| 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 | |||
|---|---|---|---|---|---|
| Currency Conversion: | 3% | Min: | n/a | Late Payment: | $30 if balance <= $1000; $35 if balance > $1000 |
| Min. Finance Charge: | $1.00 | Max: | n/a | Over the Credit Limit: | $19 if credit limit <= $250; $30 if credit limit > $250 |
| Returned Payment | n/a | ||||