Orchard Bank® Classic MasterCard®
Read our editors' review and rating, compare interest rates and fees, and apply for the Orchard Bank® Classic MasterCard® now.
— 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
*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.
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.

On Feb 8, 2008, Joe said:
I thought my credit was pretty bad, but I got approved for the platinum card with a $59 annual fee and the 8.9% APR.
I don’t plan on carrying a balance on this card (how my credit got bad in the first place), but the 8.9% rate is better than any I’ve had before.