— Editor’s Pick: If You Carry a Balance — The Citi Simplicity® Card is an ideal choice for cardholders who carry a balance. There is an attractive 0% intro APR for 21 months and there are no late fees and no penalty rates.
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- No annual fee*
FICO Req’d
Intro
Regular APR
Fee
Good
0%/18 Mos.
12.99% – 21.99% V
None
Read a full review of this card
— Editor’s Pick: Fair Credit — The Orchard Bank® MasterCard® is an excellent credit card choice for people looking to build their credit, with reporting to the three major credit bureaus on a monthly basis. See the card you’re more likely to be approved for, risk and obligation free, and in just 30 seconds!
- An excellent credit card for help rebuilding credit 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
FICO Req’d
Intro
Standard APR
Annual Fee
Fair
None
14.99% or 19.99%, or 7.99% for secured cards
See Below
*Additional Rate and Fee Information:
- Variable Purchase APR: 14.99% or 19.99%, or 7.99% for secured cards
- Annual Fee: $0 – $59 the first year, $35 – $59 per year thereafter
- Late Fee: Up to $35
- Over the Credit Limit Fee: Up to $25
- Variable Balance Transfer APR: 14.99% or 19.99%, or 7.99% for secured cards
- Variable Penalty APR: 29.99%
*Orchard Bank’s goal is to provide you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. 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. Please see the Orchard Bank Website for a complete list of terms.
