Offered by: Capital One

Orchard Bank Classic MasterCards

  • 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
598 Average Credit Score Approved for this Card
527 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
   

N/A

 

14.99% – 24.99%*

Variable

N/A

 

14.99% – 24.99%*

Variable

* 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.

Offer Details:

Cash Advance Rate

20.90%

Annual Fee

$59

Late Fee

$30

Cash Advance Fee

5%, Min: $5

Balance Transfer Fee

5%, Min: $5

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

$0

$0

$0

Interest Savings on Transferred Balance

$0

$0

$0

Interest Savings on New Purchases

$0

$0

$0

Value of Rewards on New Purchases

$0

$0

$0

Value of Bonus Points

$0

$0

$0

Annual & Application Fees

‑$59

‑$59

‑$59

 
Savings:
Total Annual Savings

‑$59

‑$59

‑$59

Total Savings over 3 Years

‑$177

Credit Card Usage Profile

Transfer a Balance

  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $59
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
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.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Compare Holders of this Card
Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder
Sample Size: 990
Data Created: October 01, 2013

494 Cardholder 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 Recent Reviews

Good Card

I used to have this card before they sold my account to capitalone. I liked the online access, it made using and keeping up with this card easier. I reccommend this card for anyone looking to build credit.

Jan 27, 2014
Higher interst rates, not a good CC

The company has higher interest rates, and at the end of 2012, HSBC was fined 1.9 Billion dollars for corruption. It was internationally published, that they did business with Iran, N. Korea, and drug cartells. I have changed to US Bank. They have all American customer service employees, and are much easier to understand. US Bank offers 11% interest on their CC REI Visa. I have good credit, but Orchard Bank HSBC offered me a much higher interest rate, with no rewards.

Jan 14, 2013
Didn't ask for Helpful to 0 out of 1 people

I do not want this card or any other, I do not want them to be checking my credit all the time either. Our credit was affected by a incompetant mortgage company. I have a letter showing they were wrong & an apoloigy. How do I get off the list?

Willie556's response was:    

  Nov 30, 2012

Willie556(3, 0)

Review by Willie556

3 Contributions 0 People Helped

It is what it is......... Helpful to 2 out of 3 people

This is a credit card given usually to people that have failed to pay other debts in the past, the reason is irrelevant, so they can certainly expect that many of these cards issued to end up as a write-off so the fees have to be high. It does what it says- it reports to the 3 credit bureaus every month so if you use the card and pay your bill on time your credit score will go up- assuming that you are paying ALL of your other bills also. I just cancelled my card because I have worked my score back to 750+ so having a "credit builder" card with a $400 limit in my file does not look good.

Oct 19, 2012
Helpful to 0 out of 2 people

Horrible card, hidden fees and shady practices. STAY WAY! 

mrsdtaylor's response was:    

  Sep 19, 2012

mrsdtaylor(1, 0)

Review by mrsdtaylor

1 Contributions 0 People Helped

See all 494 Reviews of Orchard Bank Classic MasterCards

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.