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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the Orchard Bank® Secured MasterCard and find the card's rates and fees according to our latest records, which may be outdated.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:
Fair, Limited History, Bad
Minimum. Security Deposit:
$200
4 226 reviews   Write a Review!
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Orchard Bank® Secured MasterCard’s Key APRs & Fees

  • ONE-TIME FEES None
  • ANNUAL FEE None 1st yr, $35 after
  • MONTHLY FEE None
  • 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 OVERLIMIT FEE   $25
  • MAX PENALTY APR   29.99% (V)
  • FOREIGN TRANSACTION
    FEE  
    3%
  • SMART CHIP   No
  • CASH ADVANCE RATE 20.90% (V)
  • CASH ADVANCE FEE 5% (min $5)
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Orchard Bank® Secured MasterCard Reviews

 
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3.8
Overall Rating: 3.8 / 5
Total Ratings: 226
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Jun 23, 2013
Photo of Lisa B.
3
By:
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.
Jun 24, 2013
Photo of Card H.
Card Hub
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.
May 1, 2012
Photo of Margie C.
5
By:
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
Mar 22, 2012
Photo of Margie C.
5
By:
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
Jan 23, 2012
Photo of Joe W.
5
By:
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
Mar 31, 2012
Photo of Benjamin P.
Benjamin Pawlak
Mar 31, 2012
thanks for the help. So if I put down the $200 min. my credit line starts at $200?
Mar 31, 2012
Photo of Card H.
Card Hub
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.
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+222 users submitted a rating without a full review
 
Oct 20, 2012
Photo of Lashonda A.
By:
Oct 20, 2012
I would like a card for 2 reasons, To build credit and 2; becouse car rentals will not accept my debit card linked to bank account. Does this card solve that issue?
Oct 21, 2012
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:
http://www.cardhub.com/d/credit-card-383c/
Jul 20, 2012
Photo of Marie T.
By:
Jul 20, 2012
how come i was denied a secured card.. threw capital one. please send iformation that will help me build my credit what card would help. mariethurman75@gmail.com
Jul 21, 2012
Photo of Card H.
Jul 21, 2012
As long as you have some income you should not have difficulty getting approved for the First Progress Secured Card since they do not even check your credit history -
http://www.cardhub.com/d/first-progress-secured-credit-card-589c/
Jul 17, 2012
Photo of Bruce B.
By:
Jul 17, 2012
After a period of making on time payments. Do you get your deposit back?
Apr 23, 2012
Photo of Tara H.
By:
Apr 23, 2012
I submitted my app two wks ago.still no card.please send tracking number asap.thopkins828@gmail.com
Apr 23, 2012
Photo of Card H.
Apr 23, 2012
Did you also send your security deposit?
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Last updated on: Jun 24th, 2013 at 10:22 EDT