Orchard Bank® Platinum MasterCard® Review

  • Your account information is updated and at your fingertips 24/7 so you can manage it your way
  • Email and text messages to remind you of your upcoming payment due date with online enrollment
  • Opportunity to build credit with automatic monthly reporting to the credit bureaus.
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
N/A N/A as low as 14.90% $39 to $74 Bad Credit


Review

The Orchard Bank® Platinum MasterCard® is designed to benefit those who need a credit card that works to build their credit. If you have had credit issues in the past and need to reestablish your credit this card might be a good choice for you. When you apply for an Orchard Bank® card you might not be approved for the one you applied for, but Orchard Bank® will try to fit you into a card that will work for you. They offer a variety of cards to meet the needs of those that want to build positive credit.

This card offers an APR of 14.90% to 28.90% based on your creditworthiness. The annual fee is between $39 to $74 and this too is based on your creditworthiness. The Variable Penalty APR is 29.49% and there is not account processing fee for this card. This card reports to all three major credit bureaus which is why this is a good card for building credit. Currently this card does not offer any rewards incentives.

Verdict

The Orchard Bank® Platinum MasterCard® is ideal for those that need to rebuild or establish credit. If you apply for this card and are not approved the bank will try to qualify you for one of their other cards.

Rates, Fees & Details

Basic APR as low as 7.90%
Balance Transfer APR 7.90% and 28.90%
Balance Transfer Fee 5%
Balance Transfer Fee Min. $5
Cash Advance APR 20.90%
Default APR 29.49%
Annual Fee $39 to $79
Grace Period N/A
Min. Finance Charge $1.00
Late Fee $39 to $59
Foreign Purchase 3%
Universal Default N/A
Sign Up Fee None
Card Category: Bad Credit | Limited or No Credit | Secured Credit Cards | Orchard Bank | MasterCard

Similar Cards from Other Issuers

How to Apply Online: You can apply for the Orchard Bank® Platinum MasterCard® in minutes by completing the online application.

Disclaimer

The rates, fees and details displayed are gathered from various credit card issuers and may not reflect all of the products available. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify credit card details with the financial institution before applying for a card. Contact us to report inaccurate data.

This page may contain or link to content that is outside of our control including user comments and third party websites. This content is provided solely for your convenience and information and we do not make any warranties or representations about this content.