Orchard Bank® Classic MasterCards

Orchard Bank® Classic MasterCards

Orchard Bank® Classic MasterCards

Orchard Bank® Classic MasterCards

Orchard Bank® Classic MasterCards

Card details

  • An excellent credit card for help rebuilding credit 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

  • Knowledgeable customer service representatives to assist you with questions or concerns

Rates, fees & offers

  • Annual fee

    $39 - $59 the first year, $35 - $59 per year thereafter*

  • Rewards rate

    0.00%

  • Bonus offer

    None

  • Intro APR

    N/A

  • Ongoing APR

    Min APR: 15.74%, Variable

    Max APR: 25.74%, Variable

    Penalty APR: 30.24%, Variable

    Cash Advance APR: 21.65%, Variable

  • Balance transfer fee

    5%

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

Capital One Orchard Bank MasterCard Credit Card

Orchard Bank® Classic MasterCards

Annual Fee

$39 - $59 the first year, $35 - $59 per year thereafter*

Annual Fee

$0

Annual Fee

$0

Regular APR

15.74% - 25.74% Variable

Regular APR

13.99% - 23.99% Variable APR

Regular APR

22.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

0% on Balance Transfers for 18 months

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

NerdWallet review

By NerdWallet

Rating details

3.5

Editor's overall rating

Pros and cons

Pros
  • Qualify with limited / bad credit

Cons
  • Has annual fee

  • No rewards


Your favorite nerds don costumes to review the Orchard Bank Credit Card. This card is one of the best options for people with bad credit, or those looking to build credit, and we'll tell you why.