Orchard Bank® Platinum Visa Card Review

  • Acceptance at millions of locations, including website purchases and reservations.
  • Maintain your account online anytime of the day using our helpful Account Management Tools.
  • Enjoy standard Online Bill Pay at no charge, no matter how often you use it.
  • Request email or text message alerts to remind you of your available balance and upcoming payment due date with online enrollment.
  • Call our Customer Service Representatives to answer questions and discuss your Account.
  • Have the opportunity to build your credit score each month; we report to all 3 major credit bureaus.
  • Receive 100% Fraud Liability Protection automatically and set your personal customized spending alerts.
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 Visa Card is designed to meet the needs of 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 would be a good choice for you. Orchard Bank® has a variety of cards and when you apply they match you up with a card that works for you. The selection process is based on your creditworthiness. If you don’t get approved for one card they will automatically try to qualify you for another.

This card offers an APR of 14.90% to 28.90% based on your creditworthiness. The annual fee is between $39 to $74. 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 Visa Card is ideal for those who are serious about building positive 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 14.90%
Balance Transfer APR 14.90% 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 $74
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 | Visa

Similar Cards from Other Issuers

How to Apply Online: You can apply for the Orchard Bank® Platinum Visa Card 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.

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