Orchard Bank Classic MasterCards

845 Reviews | Write a Review

Offered by: Capital One


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% – 24.99%* Variable
Balance Transfer Rate 14.99% – 24.99%* Variable
Cash Advance Rate 20.90%
Annual Fee $59
Late Fee $30
Cash Advance Fee 5%, Min: $5
Balance Transfer Fee 5%, Min: $5

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.

-$878

$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.

$2,160

$3,101

$4,372

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.

-$59

-$59

-$59
 
Savings:
Total Annual Savings

$1,224

$3,042

$4,313
Total Savings over 3 Years

$8,579

*Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers.

Reviews

Most Recent Reviews

This card sucks !   they are always messing you up with extra fees and sneaky fees.

clagos7 18 hours ago

Orchard WAS owned by HSBC which is going through soe EXTREMELY hard times now.  They were JUST sold to Capital one.  So those of you who haven't received your notice, be expecting it shortly.    I have two cards from them with a high limit of $1500.  I got this when Iwas approved for an unsecured loan through beneficial (Which HSBC has since closed)  I have no problems with customer service or the card itself.  The main complaint is that they are stingy with credit line increase.  With that siad, who know what will happen now with the sale to Capital One.  I already have two Cap One Cards.  so now I will have four, per se.  

sootsg 21 hours ago

Due to the depression all credit scoring should start over and those who screw up under the new score should have to pay.  But not those who due to no fault of their own were unemployed and unable to pay their bills.  I think this should be a national movement.  We should demand a fair break from the banks and our government.  After all it was them that screwed things up to begin with.  We are being scammed here!!!  Banks take our money, give use high fees for any borrowing or even having a credit card whether it's used or not.  There should be some better regulation of the big banks and the way they make their dough.  Ever wonder why the biggest buildings in most cities are bank buildings?  If you got laid off, lost your home due to the job loss and then had a poor credit score as a result, you are now being asked to dig deeper to even get in the door again.  And forget about ever borrowing for a home again.  You are dog-meat to the banks, now and will be broke your entire life. 

mellowde 1 day ago

 "Valued  Orchard member since 2006" with never a late payment or used over 50% of limit. After 6 years of perfect payments well over minimum due no offer to increase credit limit to help build credit score as promoted. Low credit limits can hurt as much as help - Orchard should reward the loyalty and perfect payment history with credit increases....6 years is long enough.

Anonymous 1 week ago

Applied with a 613 transrisk score and got shot down completely.   oh well their loss.

Atroske 1 week ago

See all 845 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 TransUnion New Account 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.

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