Orchard Bank Classic MasterCards

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  • 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:
YES
Balance Transfer Regular APR:
14.99% – 24.99%*
Variable

Offer Details

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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
Balance Transfer Fee 5%, Min: $5

Savings

Savings over 1 year ‑$59
Savings over 3 years ‑$177

Transaction Type Value

Savings Details

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.

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 379 out of 388

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 51 out of 53

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 estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ 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 February 2015 through July 2015. 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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