Orchard Bank Classic Credit Card

The Orchard Bank Classic Cards are for those with little or no credit . Even if you have bad credit, these cards can help you reestablish your creditworthiness. All of the cards reports to all three of the major credit bureaus.

• Acceptance at millions of locations worldwide, including website purchases and reservations.
• Discounts available from MasterCard® at many of your favorite merchants when you enroll in the services at www.mcnearby.com.
• Manage your account online anytime of the day using our helpful Account Management Tools.
• Choose your own payment due date to make paying your bill each month more convenient.
• Have the opportunity to build credit; we report to all 3 major credit bureaus.

Card Details
The Orchard Bank Classic Cards include four different types of cards: Orchard Bank® Platinum MasterCard®, Orchard Bank® Gold MasterCard®, Orchard Bank® MasterCard®, and Orchard Bank® Secured MasterCard®. This article will review details for all but the Orchard Bank® Secured MasterCard®.

APR Details
The variable Customary APR applies to purchases, balance transfers (if available) and cash advances made by credit card check, and is between 14.90% and 19.90%, depending upon your creditworthiness. The variable Cash APR of 20.90% applies to cash advances, balance transfers (if available), and cash advances made by credit card check. All your APRs may automatically increase to the variable Default APR of 29.49% if you fail to make a payment to us when due or you exceed your credit limit. The Minimum Finance Charge is $1.00. An Annual Fee between $39 and $79 and a One-Time Processing Fee between $0 and $49 will apply, depending upon your creditworthiness. The Foreign Transaction Fee is 3% of the U.S. dollar amount on transactions made in a foreign currency.

Please note, we have the right to change your APRs, fees and other terms at any time, for any reason, in accordance with your Cardmember Agreement and applicable law. Certain restrictions, limitations and exclusions apply, and benefits may not be available in every state. Coverage is underwritten and administered by companies not affiliated with MasterCard or HSBC Bank Nevada, N.A. Full details about these programs will be provided when you become a Cardmember.

Get Pre-Qualified in About 60 Seconds

Orchard Bank offers a unique approach to the application process. After completing a short online application form, Orchard Bank determines what credit cards and terms you qualify for in about 60 seconds. You can then review the cards you pre-qualify for, and decide card to apply for. Only once you apply does Orchard pull your credit report. You can view the Orchard Bank online application by clicking here.

Orchard Card Benefits
The Orchard Bank Secured MasterCard® reports to the 3 major credit bureaus. This is how having this card could potentially help you rebuild or establish credit. The card also allows you to earn interest on your deposits. Orchard provides on-call customer service representatives and has a zero liability fraud protection program for its card members.