Orchard Bank® Visa® Cards
Sponsored Card
- Minimum Credit Required:
Good, Fair - Annual Fee:$39 - $59
- Network: VISA
| Intro Rate Not Offered |
Intro Period N/A |
Regular Rate 14.99 - 24.99% (V) |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate14.99 - 24.99% (V) | Balance Transfer Fee 5% |
| Cash Advance Rate 20.90% (V) |
Cash Advance Fee 5% (min $5) |
- 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.
- 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%
If you currently have the Orchard Bank® Visa® Cards and are satisfied or you like the terms of this credit card offer please let your friends know.
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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® Visa® Cards shown on this page.
The card information shown on this page was last updated: May 23rd, 2012 at 3:33 EDT
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I have wanted to get a credit card for quite some time, but I have been intimidated by all of the horror stories and student loan debt has left my credit in shambles. Recently I applied for the Orchard Bank credit card and was immediately approved. I received my card within a week or two of applying and so far I like it. The cash advance fees are not nearly as high as others I have seen and the annual fee on my card is just $59. I got the card in case of emergency and I have no regrets. I just have to make sure not to be irresponsible with it.
I have used Orchard Bank for a very long time and I have had only minor issues with the company. You get charged an annual fee just to have their card. They are not eager or willing to increase your credit limit even if you make your payments on time every month. This credit card is good for those that do not have any other choice because of fair or bad credit. If you are on a tight budget every month, I would not recommend this credit card because with the annual fee and high interest rates you will never get the credit card paid off in a reasonable amount of time.
If you’re familiar with the Orchard Bank Secured Card, you know that it’s one of the best secured cards available, and whether you’ve used it or not, this knowledge might lead you to look at Orchard Bank Visa Cards when it’s time to move to an unsecured card. Is that a good idea. I can tell you right away that it’s not, but you don’t just have to take my word for it, I’ll tell you why I’m not a fan of Orchard Bank Visa Cards. 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.
In order to evaluate Orchard Bank Visa Cards, you need to consider what different types of consumers require from a credit card. People with below-average credit scores need the cheapest way to build credit; people with good or excellent credit who always pay their bills in full need rewards; people with good or excellent credit who have debt or will need some extra time to pay off big-ticket purchases need low interest rates. Does an Orchard Bank Visa Card meet any of these needs? Well, it has a $39 – 59 annual fee, so it sure doesn’t meet the cost-effective credit building need, even though people with fair credit can get it. The Orchard Bank Visa also does not offer rewards, so the rewards earning application is out as will. It also doesn’t provide a 0% introductory interest rate on either purchases or balance transfers, which means other available cards outperform it significantly. It’s therefore hard to imagine anyone for whom the Orchard Bank Visa Credit Card would be the best option. 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.
what is my limit on card.
Hi Lyla - If you are asking about the credit limit on your existing Orchard Bank Visa Credit Card, then you should call the number on the back of your card. On the other hand, if you are asking what credit limit you will get assigned if you apply for the Orchard Bank Visa Card, then you should know that unless you apply for a secured credit card, it is impossible to know what credit line you will get since that depends on your exact credit history, income, and other information that you provide on your credit card application.