Orchard Bank® Visa® Cards
Orchard Bank® Visa® Cards
We're sorry, but the Orchard Bank® Visa® Cards may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer.
You can write a review about the Orchard Bank® Visa® Cards or check the card’s rates and fees according to our latest records, which may be outdated and were collected independently by us. Alternatively, you can compare the latest credit card offers.
Accepted Credit Scores
Good Credit, Fair Credit
Annual Fee
$39 - $59
APR on Purchases
14.99 - 24.99% (V)
Balance Transfer
APR: 14.99 - 24.99% (V)
Balance Transfer Fee
Orchard Bank® Visa® Cards' Additional Info
The Orchard Bank® Visa® Credit Card can help you get your credit back on track. They report monthly to all three major credit bureaus giving you the opportunity to rebuild your credit with good payment behavior! Get pre-qualified in less than 1 minute!
The Annual Fee is between $39 and $59, and the Processing Fee is between $0 and $59, 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.
cash advance fee | 5% (min $5) |
cash advance APR | 20.90% (V) |
foreign transaction fee | 3% |
smart chip | No |
max late fee | $35 |
max overlimit fee | $25 |
max penalty APR | 29.99% (V) |
grace period | 25 days |
Compare The Orchard Bank® Visa® Cards vs. Popular Alternatives
annual fee$39 - $59 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro apr0% for 18 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer | transfer intro aprNot Offered |
Regular APR14.99 - 24.99% (V) | Regular APR19.24% - 29.24% (V) | Regular APR29.99% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Orchard Bank® Visa® Cards to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
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How much is the starting Orchard Bank Visa credit limit?
Unfortunately there is no way to anticipate your Orchard Bank Visa credit limit before submitting an application.
Your limit depends on your exact credit history, income, and other information that you provide on your credit card application.
Orchard Bank® Visa® Cards Reviews
Share your insights and review for the Orchard Bank® Visa® Cards
What's Your Rating?
Pros
- The only pro I can see in relation to an Orchard Bank Visa is the fact that people with fair credit might be able to get them. That’s it.
Cons
- Orchard Bank Visa Cards do not offer rewards, making them ill-suited for everyday spending.
- Orchard Bank Visas don’t have low introductory interest rates, making them ill-suited for carrying debt.
- Orchard Bank Visas charge high annual fees, making them ill-suited for building credit without card use.
The truth is, if you’ve been using a secured card for a while and/or are fairly new to credit use, you probably want to take the training wheels off and use an unsecured card. But you shouldn’t do this just to do this and that’s what the case would be if you got the Orchard Bank Visa Credit Card. It doesn’t offer rewards or low interest; it just costs more than secured cards. I’ll tell ya what, I’d rather temporarily give up $200 to make a secured cards security deposit than permanently give up $39 - $59 each year to use an Orchard Bank Secured. Oh, and if you have good credit, there are countless cards better than this, so I’d certainly look elsewhere.
That means alternatives are in order. When it comes to credit building, an Orchard Bank Secured Credit Card would be a far better option than Orchard Bank Visa Credit Cards because the secured card doesn’t have an annual fee during the first year (depending on who you are, a student credit card like the Citi Dividend Platinum Select Card for College Students or a card for newcomers like the Capital One No Hassle Cash Rewards Card might also be good choices). In terms of rewards, the the Capital One Venture Card and the Capital One Cash Credit Card are two good options. Finally, for interest rates, the Discover Motiva Crad, which offers 0% on both purchases and transfers for 15 months, would obviously be a better choice than Orchard Visa Cards.
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