Orchard Bank® Classic MasterCards

Orchard Bank® Classic MasterCards Sponsored Card
  • Minimum Credit Required:Good, Fair
  • Annual Fee:$39 - $59
  • Network: MasterCard
  • Rating:
    3.5
    9 votes - Cast your vote
 
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Rewards: No 
 
 
Purchases:
Intro Rate Not Offered Intro Period N/A Regular Rate 14.99 - 19.99% (V)
Balance Transfers: 
Intro RateNot Offered Intro PeriodN/A Regular Rate14.99 - 19.99% (V) Balance Transfer Fee 5%
Cash Advances:
Cash Advance Rate 20.90% (V) Cash Advance Fee 5% (min $5)
 
 
Additional Info:
  • The Orchard Bank® MasterCard® is an excellent credit card choice for people looking to build their credit. Get prequalified online in just 30 seconds!
  • Reports to 3 major credit bureaus monthly.
  • The Annual Fee is between $39 and $59, and the Processing Fee is between $0 and $39, depending upon your creditworthiness.
  • Orchard Bank's goal is to offer you the credit card that best fits your credit profile, based on your consumer credit report and other information you provide to Orchard Bank.
  • You may be offered a secured card or an unsecured card, and with different terms and conditions which will be disclosed before your application is processed.
  • Max Late Fee:  $35
  • Max Overlimit Fee:  $25
  • Max Penalty APR:  29.99% (V)
  • Grace Period:  25 days
  • Online Response:  Yes
  • Foreign Transaction Fee:  3%
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Your Recommendation
3.5
Your Rating: 1 2 3 4 5  
Overall Rating: 3.5 / 5 from 9 users

If you currently have the Orchard Bank® Classic MasterCards and are satisfied or you like the terms of this credit card offer please let your friends know.

 
 
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Compare the Orchard Bank® Classic MasterCards against other major online credit card offers.

 
 
Related Credit Card Categories

Orchard Bank® Classic MasterCards is related to the following credit card categories:

 
 
 
About the Issuer: Orchard Bank

Orchard Bank is a division of HSBC Bank Nevada, N.A.
Based on their website: "Since HSBC's founding in 1865, HSBC has grown into one of the world's largest financial institutions with 9,500 offices in 79 countries and territories. HSBC has been placed among the elite companies of the Forbes Global 2000 and is one of the top ten financial service companies in the United States.

 
 
back to top Discussion

Share your experiences, thoughts or just ask a question:

  • Joe Weider:
    Classic MasterCard...No, I’m not referring to a typical MasterCard move, but rather the Orchard Bank Classic MasterCards, which as you will soon learn are some of the worst credit cards you can get. You see, approval for an Orchard Bank Classic MasterCard requires fair to good credit, meaning you have to have established responsible credit use to get one. Despite this requirement, which usually earns you some good rewards or low rates, Orchard Bank Classic MasterCard Credit Cards doesn’t offer rewards at all and does not give you any low introductory interest rate either. Instead, you get a 14.99 – 19.99% APR. Oh, and you have to pay a $39 - $59 annual fee to get it. It’s therefore pretty clear that Orchard Classic MasterCards don’t really have any redeeming qualities and should not be used, regardless of your financial situation or needs. Ok, but if a Classic Orchard MasterCard is not a good fit, what credit cards are? If you have fair or limited credit, any card that doesn’t have an annual fee will suit your main need of cost effective credit building (among this selection of cards, you should choose whichever offer that has the best rewards or longest 0% introductory term). If you have good or excellent credit, whether to focus on rewards or low interest rates depends on whether you always pay your monthly bills in full or not. If you do, get the card offering the best rewards for your biggest expenses. If you don’t, either get a 0% balance transfer card or a card with 0% on purchases, depending on whether you have existing debt or will need additional time to pay off upcoming purchases. Lastly, if you want a credit card from Orchard Bank, the Orchard Bank Secured MasterCard would be a far better choice than an Orchard Bank Classic MasterCard because it does not have an annual fee in the first year and prevents you from spending beyond your means, thanks to a refundable security deposit that acts as your spending limit.
 
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