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Orchard Bank Classic Cards
If you're looking for a card with built in benefits you can use on a daily basis and that provides you with the opportunity to establish better credit at the same time, you may be interested in the Orchard Bank Classic Cards. Over the years, millions of people have used these Platinum, Gold, Classic and Secured cards to build their credit history.
- Acceptance at millions of locations worldwide, including website purchases and reservations.
- Discounts available from MasterCard® at many of your favorite merchants when you enroll in the services at www.mcnearby.com.
- Manage your account online anytime of the day using our helpful Account Management Tools.
- Enjoy standard Online Bill Pay at no charge, no matter how often you use it.
- Request email and text messages to remind you of your available balance and upcoming payment due date with online enrollment.
- Have the opportunity to build credit; we report to all 3 major credit bureaus.
- Receive 100% Fraud Liability Protection automatically and set your personal customized spending alerts.
- Speak to our trained Customer Service Representatives about questions on your account.
Click here to learn more about our card selection process.
| Introductory APR and Duration | Customary APR on Purchases and Balance Transfers | Penalty APR | Annual Fee | Other Fees to Open Account |
|---|---|---|---|---|
| N/A | Variable 14.90% to 28.90% or Variable 7.90% for Secured | Variable 29.49% | $0 - $74 for the first year, $35 - $79 per year thereafter | $0 - $39 Processing Fee |
*Rates are accurate as of 5/31/10. The variable Purchase APR applies to credit card purchases and is between 14.90% and 28.90%, depending upon your creditworthiness. The variable Balance Transfer APR is between 14.90% and 28.90%, depending upon your creditworthiness and applies to balance transfers and credit card checks, unless otherwise disclosed. The variable Cash APR is 20.90% and applies to cash advances. Your APRs may increase to the Penalty APR if you fail to make a minimum payment to us when due. The variable Penalty APR is 29.49%. A Balance Transfer Fee of 5% ($5 minimum) will apply to balance transfers and credit card checks, if available, unless otherwise disclosed. A Cash Advance Fee of 5% ($5 minimum) will apply to cash advances. The Minimum Interest Charge is $1.00. An Annual Fee between $35 and $74 for the first year and between $39 and $79 per year thereafter, and a one-time Processing Fee between $0 and $39 will apply, depending upon your creditworthiness. The Foreign Transaction Fee is 3% of the U.S. dollar amount on transactions made in a foreign currency.
If you accept a secured card offer, it come with a 7.90% variable Purchase APR, a $35 annual fee, waived the first year and no processing fee. All other terms apply. Minimum $200 security deposit required.