Orchard Bank® Secured MasterCard

We're sorry, but the Orchard Bank® Secured MasterCard may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer.

Below you can review the Orchard Bank® Secured MasterCard and find the card's rates and fees according to our latest records, which may be outdated.

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orchard bank secured mastercard
Required Credit Score:
Minimum. Security Deposit:
238 reviews   Write a Review
Info about the Orchard Bank® Secured MasterCard has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
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Orchard Bank® Secured MasterCard’s Key APRs & Fees

  • ANNUAL FEE None 1st yr, $35 after
  • REGULAR RATE 7.99% (V)
  • GRACE PERIOD 25 days

Orchard Bank® Secured MasterCard’s Highlights

  • Secured Credit Card / Min Deposit of $200
  • Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!
  • 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 which will be disclosed before your application is processed.
  • Acceptance at millions of locations worldwide, including website purchases and reservations.
  • Email and text messages are available to remind you of your upcoming payment due date.

Orchard Bank® Secured MasterCard’s Additional Info

  • MAX LATE FEE   $35
  • MAX PENALTY APR   29.99% (V)
    20.90% (V)
    5% (min $5)

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Orchard Bank® Secured MasterCard to our community.

I would like a card to build credit and because car rentals will not accept my debit card. Does this card solve that issue?

Photo of Card H.
Oct 21, 2012
Unfortunately the Orchard Bank credit cards are no longer available to new applicants. Instead you should consider applying for the Capital One Secured Card that will be able to help you with both of your needs. Here is a link to the card:
10 Votes 11 1

After a period of making on time payments. Do you get your deposit back?

Photo of Card H.
May 3, 2016
Yes, for secured credit cards you are required to place a refundable security deposit, the amount of which typically serves as your spending limit. You get this deposit back when you close your account, minus any unpaid balance, but in the interim it shields the card’s issuer from risk. Hope this helps!
7 Votes 8 1

How to cancel a lost card?

Photo of Card H.
Feb 4, 2016
You will need to call Capital One’s customer service department to cancel your card, as Capital One purchased Orchard Bank. The number is 800-955-7070. You might also find some helpful information in our article about what to do if your credit card is lost or stolen. Good luck!
5 Votes 5
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Customer Reviews

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3.8 out of 5

238 reviews
Photo of Damien C.
Dec 14, 2015
The application process was easy, fill it out and send in a check for the desired amount of credit. I started using the secured card years ago in beginning my credit history. Instore and online was easy to use, no issues as it had the Mastercard logo. Customer service was a bit frustrating; They never wanted to lower the interest rate or send back my deposit after my credit score went high after the first year, so I ended up just closing the account as many other places were offering much better deals. Great to build credit, but that is all.
Photo of Rus T.
Mar 4, 2015
First let me start with the pros, these cards have low interest rates , they have no annual fee for the first year , free account processing(which is a good thing) , and it reports to the three top major credit bureaus in the world.

Now lets talk about the Cons of this card , they are not much but still they are cons.
the minimum security deposit required is a minimum of 200 dollars , seriously?
200 bucks for security deposit?
and the credit limit is very low, only up to the size of deposit which is very sad.

There are no rewards in this particular card.

when talking about APR's

there's 7.9% variable on purchases more
Photo of Lisa B.
Jun 23, 2013
I have used the customer svc about twice now, I was good, no complaints...but I wanted to know what the maintenance fee was for.
Photo of Card H.
Jun 24, 2013
Hi Lisa! While we can offer tips on credit cards, we are not the companies in question. If you have a problem with a fee on your account, you would need to go your credit card company and ask for an explanation.
Photo of Margie C.
May 1, 2012
Did you guys hear that Capital One recently acquired HSBC, which of course owns (or used to own) Orchard Bank? I wonder how this will affect the Orchard Bank Secured Credit Card, which is one of the best secured cards on the market, in my opinion. Aren’t there a lot of changes made when one company acquires another one, partly because the acquiring company is better owned, party because people just like to make changes to throw their weight around and feel useful? (I could be off base, but House of Lies seemed pretttyyyy realistic). Who knows, maybe Capital One will decide that the Orchard Secured Card needs an annual more
Photo of Margie C.
Mar 22, 2012
People often look down on secured cards like they are red-headed step children, but the fact of the matter is they can be really really useful for a number of different consumer groups, ranging from young people, to those with damaged credit, to stay at home spouses. The reason why is secured cards offer basically guaranteed approval and have fairly cheap fees due to the fact that they require a refunable security deposit (this protects the issuer in the event you don’t pay your bill and makes strict approval guidelines and high fees redundant).

The Orchard Bank Secured Credit Card is one of the most popular secured cards on the more
Photo of Joe W.
Jan 23, 2012
The Orchard Bank Secured MasterCard is simply put the best secured credit card out there. In case you don’t know, secured credit cards are those that require a security deposit for approval. This security deposit serves as your credit line and is fully refundable (you get the full thing back if you close your account with no balance and amounts above your balance if you do). For this reason, secured cards basically offer guaranteed approval and are popular among people with limited or damaged credit. The Orchard Bank secured credit card is so good because it has extremely low fees. You aren’t responsible for paying any fees during the first more
Photo of Benjamin P.
Mar 31, 2012
thanks for the help. So if I put down the $200 min. my credit line starts at $200?
Photo of Card H.
Mar 31, 2012
Benjamin Pawlak - That is correct. Then over time I would encourage you to keep adding on your security deposit because that will proportionally increase your credit limit and help your credit score, as long as you use your card responsibly.
+232 users submitted a rating without a full review
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Last updated on: May 3rd, 2016 at 7:17 EDT

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