Orchard Bank Classic MasterCards
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- An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages are available to remind you of your upcoming payment due date
- Knowledgeable customer service representatives to assist you with questions or concerns
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR | Annual Fee | Bal. Trans. | Credit Needed |
|---|---|---|---|---|---|
| N/A* | N/A* | 14.99-24.99% (Variable)* | $39.00 1st year, then $59.00* | Yes* | Bad Credit* |
Consumer Reviews
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Date Posted: 4/26/2012 By: Retha (Brooklyn NY)

This is the one I would recommend R
I would definitely recommend this card to a friend.
Date Posted: 4/11/2012 By: heather (knightdale,nc)

you put a deposit down which is the same as your amount RIP OFF its a prepaid card with interest!
I would definitely not recommend this card to a friend.
Date Posted: 7/14/2011 By: Judy Moore (Houston, TX)

Thank you for helping me to get my credit back on track. I've been using my orchard bank secured card to rebuild my bad credit history since 1/2011. I use it almost everyday to buy things and pay off the balance every month. Since then my credit score has improved dramatically. Orchard bank rocks!
I would definitely recommend this card to a friend.
Date Posted: 7/14/2011 By: Andy L. (Brooklyn, NY)

I applied for this card 3 months ago because I had really bad credit and wanted to re-establish my credit. I was approved for the Orchard Bank Secured card and I absolutely love it! My credit is improving since I've been paying my credit card bills on time every month. If you are looking for a credit card for bad credit and wish to rebuild your credit, this card is right for you.
I would definitely recommend this card to a friend.
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FAQs
Tips & Advice
Glossary
- APR - Annual Percentage Rate, the yearly percentage rate charged when a balance is held on a credit card.
- Intro APR - A low interest rate offered for a limited time, usually for the first 6 to 12 months.
- Balance Transfer - The act of transferring the whole or partial balance of one card to another card.
- Annual Fee - An annual (yearly) fee associated with having a credit card.


