Orchard Bank Classic MasterCards

Sorry, this offer is no longer available on Credit Karma.
  • 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
Annual Fee:
$59
Purchase Intro APR:
N/A
Purchase Regular APR:
14.99% – 24.99%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
14.99% – 24.99%*
Variable

Details, Rates & Fees

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* 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 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 20.90%
Cash Advance Fee 5%, Min: $5
Late Fee $30
Penalty APR See Terms
Balance Transfer Fee 5%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee See Terms

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
amhutchinson
by amhutchinson
Helpful to 394 out of 403

For people who think everyone with poor credit is irresponsible and we just need to "pay our bills on time and stop complaining"  Sometimes it isn't that easy I had a 756 credit score and then got diagnosed with Gestational Trophoblastic Desease (a form of cancer) was hospitalized twice, had emergency sergury and underwent chemo for 6 months.  I was out of work and got behind on my bills.  Some companies are just unwilling to work with me on payment plans and therefore I am stuck trying to catch back up and find ways to work myself back up from a drop to 499.  I am currently at 587 after close to one year cancer-free.  I am struggling and it is not due to being irresponsible... it is due to the uncontrolable things in LIFE.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Urbanlu
by Urbanlu
Helpful to 55 out of 57

I have not had any issues with this card.  I applied for it before I knew about creditKarma.  I started with a credit rating of 500 and they issued me a limit of $300.  I have had it for about a year now and they have raised my limit to $500.  I will keep the card to help my credit rating improve. I am now at a 575 so it is working.  I am paying a $49 annual fee.


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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from March 2016 through August 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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