Offer expired

Orchard Bank Visa Cards

78 Reviews | Write a Review

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 14.90% - 19.90%*
Balance Transfer Rate 14.90% - 19.90%*
Cash Advance Rate *
Annual Fee See Terms*
Late Fee See Terms*
Cash Advance Fee See Terms*
Balance Transfer Fee See Terms*

Orchard Bank Visa Cards features:

  • Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!
  • 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 to remind you of your upcoming payment due date with online enrollment
  • On-call customer service representatives to assist you with questions or concerns

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.

$3,955

$5,344

$7,133

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

$3,955

$5,344

$7,133
Total Savings over 3 Years

$16,432

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

Reviews

Most Recent Reviews

Hate the company - especally since being purchased by Capital One - I have had the card got over about a year - never late on payments - credit limit increased from 300 - 400 - limit is so low not worth
using the card - poor effect on credit score with limit so low

Anonymous 1 week ago

+1

I've had my card for 7 years. No credit line increase, just an interst rate increase. I've paid every single payment on time on all my accounts even through the market crash.  I think this is the year I close the account. 

Franco1985 3 weeks ago

+5

I would like pointers, but when I first opened my CK account I had a 612, since reading up on Secured cards I opend a secured card with my bank, and 600 dollars with Applied Bank from the recommendation of CK, my credit is already up to 658 in 30 days, should I leave the high balance of the cards and not use them, or should I always buy items of small amounts and pay it off? Which one will be best, because I would love to just stick them in a drawer, and enjoy the increase everymonth... Hope to hear some great feed back.

TuffChuck 1 month ago

+2

I have had this card for almost 4 years and have had positive results, raising my credit score from the mid-500's up to the 720's on all 3 credit bureaus. My only negative feedback would be that in 4 years I have not seen a review of my payment history and rise in credit score for additional consideration of increased CL (my current credit limit is only $600). My 3 star rating is weighing the positive aspect of the card in rebuilding my credit, but it would be nice if they raised my credit limit more often since I have had 100% payment history. I am currently keeping this card to build my credit history and do not plan on using it (I intend to appy for other cards to gain a higher CL).

Webguy128 1 month ago

+3

Will my vredit score get lower if HSBC closes the card due to nonuse. I had a a 1500 credit limit maxed it out and paid it off within a year. I am overseas so I don't need to use any crediy cards, but HSBC closed the acct and said it was due to the fact that I wasn't using the card. Will this hurt my score?

sballplayer 1 month ago

See all 78 Reviews of Orchard Bank Visa Cards

Write a review of Orchard Bank Visa Cards

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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