Orchard Bank Classic MasterCards

768 Reviews | Write a Review

Share:

Offered by: HSBC Bank Nevada, N.A.


Purchase Intro Rate N/A
Purchase Intro Period N/A
Balance Transfer Intro Rate N/A
Balance Transfer Intro Period N/A
Regular APR 14.99%-19.99%*
Balance Transfer Rate 14.99%-19.99%*
Cash Advance Rate See Terms**
Annual Fee See Terms*
Late Fee See Terms*
Cash Advance Fee See Terms*
Balance Transfer Fee See Terms*

Orchard Bank Classic MasterCards features:

  • An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly!
  • Acceptance at millions of locations worldwide, including website purchases and reservations
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way
  • Email and text messages are available to remind you of your upcoming payment due date
  • On-call customer service representatives to assist you with questions or concerns

Additional Details: Click here for Additional Details (Will launch in a new browser window)

See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

These savings are calculated using national averages. Log in to see your own savings!

How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

 

Year 1

Year 2

Year 3

Balance Transfer Cost info Fees charged by the credit card company to transfer balances. Usually charged as a percent of the balance transfer amount.

$0

$0

$0

Interest Savings on Transferred Balance info Difference between the interest charged on your existing credit card(s) and the interest charged on this card with the same balance.

$0

$0

$0

Interest Savings on New Purchases info Difference between the interest charged for new purchases on your existing credit card(s) and the interest charged on this card.

$2,297

$3,283

$4,591

Value of Rewards on New Purchases info Difference between the rewards (normalized to dollar amounts) from the purchases on your existing credit card(s) and this card.

$0

$0

$0

Value of Bonus Points info Bonuses provided by the card for either application or usage. Bonus in the form of either miles or points are converted to dollar amounts.

$0

$0

$0

Annual & Application Fees info Sum of the fixed fees associated with the card. The fees are charged regardless of card usage.

$0

$0

$0

 
Savings:
Total Annual Savings

$2,297

$3,283

$4,591

Total Savings over 3 Years

$10,171

Calculations are estimated based on your credit card usage combined with offer data and are for illustration purposes only.

Reviews

Most Recent Reviews

+1

Card isn't anything special, but it allows payment by debit card this is a huge "+" to me.  I hate that make a payment and wait a week for it to be removed from your checking.

csnixon 1 day ago

I filed for bankruptcy. I was surprised that any card would offer me an unsecured credit and at 55 dollars a year to have the opportunity to rebuild my credit is worth it even without credit increases. At first I had a problem getting an available balance update after making a payment. In the new electronic era there isn't/shouldn't be a problem in getting payments and corrections in three days or less. I too had the runaround of the 10 day posting after deduction from my checking account. I called and spoke to a rep and had it corrected in two days after I got tired of waiting. She told me that in the future I should make payments by phone and payments would be posted quicker. To date I have made 4 payments by phone and it has been reflected on my account within 24 hours: balance and available balance brought in line. I may hate the card for not raising my credit limit in the future but for right now I understand their reason; I am a credit risk and they are limiting their exposure.

elprof10 2 days ago

Slightly higher interest rate than my current card, but higher annual fee.    If you really want to rebuild your credit, I have a suggestion to try.  I got a secured Capital One credit card last year.  You won't get any credit limit increases, but in the year I've had it, I've been able to get approved for a couple of other credit cards and an auto loan with a decent interest rate.  You're starting credit limit is only $200, so you can't screw yourself with it but you can't increase your limit unless you pay more on the security deposit.  The deposit is refunded once you cancel the card and pay the balance in full. 

jemstone316 2 days ago

+1

 Hopefully it will fix my credit problem.  At at will take me 3 years to rebuild credit.

cecefun2 2 days ago

well, im trying desperately to rebuild my credit. i was an irresponsible 18 year old when i got multiple credit cards and never paid them. Now at 24 life is catching up to me. Things like buying houses and cars are dreams ill never have because i screwed up. But when I want to rebuild my credit and get one of these cards i get denied. How am i supposed to fix anything if no one will let me???

i got denied for both of the cards they recommended for me and they said i have a ''very good'' chance of being approved...lies... 

sharonashley88 3 days ago

See all 768 Reviews of Orchard Bank Classic MasterCards

Write a review of Orchard Bank Classic MasterCards

Credit Score Approval Data

Ideal for those with Poor Credit:

599

AVERAGE Credit Score Approved for this Card

494

LOWEST Credit Score Approved for this Card

† Credit Karma members have received approvals with these Credit Karma credit scores. Please note that because other factors such as income and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.

Welcome to Credit Karma! Like our service? Share the karma and recommend us on Facebook.