Orchard Bank® Secured MasterCard
Sponsored Card
- Minimum Credit Required:
Fair, Limited History, Bad - Network: MasterCard
- Online Response:Yes
- Secured Credit Card:Min Deposit of $200
- Rating:
- 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.
| Annual None 1st yr, $35 after |
Monthly None |
| Account Set-up None |
Program Fee None |
| Purchase Rate 7.99% (V) |
Cash Advance Rate 20.90% (V) |
Cash Advance Fee 5% (min $5) |
Max Late Fee  $35 |
Max Overlimit Fee $25 |
Max Penalty APR 29.99% (V) |
If you currently have the Orchard Bank® Secured MasterCard and are satisfied or you like the terms of this credit card offer please let your friends know.
Orchard Bank® Secured MasterCard is an Editor's Pick for
If you are interested in the Orchard Bank® Secured MasterCard, check out the following credit cards as well:
Compare the Orchard Bank® Secured MasterCard against other major online credit card offers.
Orchard Bank® Secured MasterCard is related to the following credit card categories:
- Low Interest MasterCard Credit Cards
- Business Credit Cards
- Balance Transfer Credit Cards for Bad Credit
- Credit Cards for Fair Credit
- Student Credit Cards with No Annual Fee
- Orchard Bank Credit Cards for Bad Credit
- Student Credit Cards with Bad Credit
- Credit Cards for Bad Credit
- No Annual Fee Credit Cards
- Credit Cards for Fair Credit with No Annual Fee
We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.
Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Orchard Bank® Secured MasterCard shown on this page.
The online credit card
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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 year and only $35/yr. after that. This is particularly important since you do not need to make any purchases to build credit. Positive information still flows into your major credit reports on a monthly basis regardless, and you do not want to pay maintenance fees for a card that you do not actually use. In addition, you’ll typically be able to move to an unsecured credit card after around a year of responsible use (either not making purchases or making them and paying in full), so the Orchard Secured Card could very well be your free ticket to better credit. You shouldn’t worry about a secured card’s interest rate because you should always pay your bill in full when using one. Having the best possible credit score is important to getting low loan terms, finding a car or an apartment, and getting low insurance premiums. Anyway, you might not want to take my word for it that the Orchard Bank Secured MasterCard is the best secured card on the market. So why don’t we take a look at some alternatives? The Capital One Secured MasterCard and the Platinum Zero Secured Visa Credit Card are the two most popular secured cards other than the Orchard Bank MasterCard. The CapOne card has a $29 annual fee, so it is obviously more expensive than the Orchard Bank Secured. The Platinum Zero Card might seem good but it has a $9.95 monthly fee, which makes it more expensive than the Cap One or Orchard Bank Secured Cards.