Orchard Bank Classic MasterCard

Orchard Bank MasterCards are our Editor’s Pick for credit cards for bad credit. Unlike other cards available to consumers with less-than-perfect credit, the Orchard Bank card does not have hidden fees or unworldly interest rates.

Plus, the Orchard Bank application process matches you, based upon your credit score, with the credit card option that provides the best value for you. Orchard Bank’s application process contributes to a very high rate approval rate. Plus, if you don’t like the card you are approved for, you don’t have to complete the application. Also, Orchard Bank is owned by HSBC, one of the largest banks in the world.

The Orchard Bank Credit Card Application Process

When you apply for any Orchard Bank credit card online, you will complete the basic application that includes your contact information, income, and social security number. The bank will then check your credit in about 30 seconds and tell you which of four options you have been approved for. You then get to review the card you are approved for – including all fees and terms – and decide whether or not to accept the offer.
The four Orchard Bank Credit Cards you may be approved for are:

Orchard Bank Prime MasterCard (Best Credit) - If your credit score comes back better than you think, Orchard bank will approve you for the Orchard Bank Prime Platinum Master Card. This card carries no annual fee and a 15.99% APR – an average credit card APR. You will also receive a 0% introductory APR for six months.

Orchard Bank Platinum MasterCard (Average Credit) – If your credit is poor, but you have not had numerous charge offs or gone through bankruptcy, you may be approved for the Orchard Bank Platinum Master Card. This card carries an annual fee that is based upon your credit history, but no application fee or other hidden charges. APRs on this card range from as low as 8.9% to 18.9%, based upon credit.

Orchard Bank Gold MasterCard (Poor Credit) – Applicants may also be approved for the Gold MasterCard, which carries an annual fee of between $39 to $96 and a one-time application fee of $19 to $39. Again, these fees are much better than on most sub-prime credit cards, and are fully disclosed. The interest rate on the Gold Card is between 8.90% and 18.90%.

Orchard Bank Secured MasterCard (No Credit) – Usually, applicants who have just finished a bankruptcy or have no credit history will not be approved for an unsecured credit card, but will still be offered an Orchard Bank Secured MasterCard. Secured credit cards work more like a prepaid card – you deposit money into an account and then use the card to draw against it. With a secured credit card, however, each time you pay your bill (effectively recharging your account), that payment is reported as a positive action on your credit report. You can set your credit limit between $200 and $15,000 (100% of your deposit). The APR is between 8.90% to 14.90%.

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Customer Reviews

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Important: We take care to ensure all card terms described on this website are accurate and up-to-date. Creditors change terms, including APRs, frequently, however. While we usually update our reviews within 1-5 days of notification, never apply for or accept any credit offer before carefully reviewing the offer terms and conditions found directly on the creditor's website.