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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

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
N/A
Typical Low: N/A
Typical High: N/A
   

N/A

14.99% – 24.99%*

N/A

14.99% – 24.99%*

 

Variable

 

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 "Apply Now" 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

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
Edit
  • 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.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder

Sample Size: 3,554
Data Created: February 02, 2015



239 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

Bad card kept my deposit

Scam. I built my credit and limit by always paying.  Account was sold from old orchard to capital one. Capital one had no record of secured card. I closed account, but could not get back initial deposit.  Scam. Hundreds of customers probably lost their initial deposits.  

Dec 19, 2014
Good Card Helpful to 2 out of 3 people

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 Helpful to 3 out of 5 people

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 1 out of 4 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, 1)

It is what it is......... Helpful to 3 out of 4 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

See all 239 Reviews of Orchard Bank Classic MasterCards

† These Approval Odds represent Credit Karma’s estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to 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 September 2014 through February 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.