Orchard Bank Secured MasterCard®

Orchard Bank Classic MasterCard

The Orchard Bank Secured MasterCard is a credit card for establishing or rebuilding credit in your name. This card is for those with bad credit or no credit at all.

Acceptance at millions of locations worldwide
Free standard Online Bill Pay, no matter how often you use it
100% Fraud Liability Protection automatically and the ability to set your personal customized spending alerts
Annual Fee waived the first year

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 Details
The variable Customary APR applies to purchases, balance transfers (if available) and cash advances made by credit card check, and currently ranges from 14.90% to 19.90% depending on credit worthiness. The variable Customary APR applies to credit card purchases; and 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. This is a secured card which means there is a minimum $200 security deposit required to set a $200 credit line. There is a $35 annual fee, but it is waived the first year. Once you are accepted as a card member you will then be provided a complete list of the Terms and Conditions.

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.

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.