Orchard Bank® Visa® Cards
Card Type: Visa
Card Issuer:
Card Category: Poor Credit
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- Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
- 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
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- Rating:
- Intro Rate:
- No Introductory Rate Available
- APR (Cash):
- Varies
- APR (Purch):
- 14.99% or 24.99%, or 7.99% for secured cards
- Annual Fee:
- $35 or $59
Review
The Orchard Bank® Visa® Cards, issued by Capital One Bank (USA), N.A., are secured and unsecured credit cards that allow you to take control of your finances. Your approved card is also reported to all three major credit bureaus on a monthly basis. Accepted Almost Everywhere - These cards are accepted at millions of locations all over the world, wherever Visa is accepted. You can even make online purchases and reservations for a vacation getaway if you wish with your approved card. Email and Text Alerts - Nobody likes to stay behind on a payment - but with email and text message notifications you won't have to. Simply set up your account to receive these helpful messages when you activate your Orchard Bank credit card. Customer Service Representatives - If you're feeling lost and confused regarding your new credit card, let the experts in the field help you. Professional Customer Service representatives can answer any questions, comments or concerns you may have. You've got the question, they've got the answer. The Orchard Bank® Visa® Cards are an excellent choice of credit cards that will help you become even more financially responsible. With great customer service, worldwide card acceptance and easy email/text notifications, you will find yourself using a card that is right for you!
Most attractive features: Reports to credit bureaus; additional cardholder benefits.
Least attractive features: Annual fees; processing fees.
Additional Perks: See website for additional benefits.
Rates & Fees
Introductory rate: No Introductory Rate Available
Applied towards: None
Introductory Rate Details: n/app
Apr(Purchases): 14.99% or 24.99%, or 7.99% for secured cards
Apr(Cash Advances): Varies
Finance Configuration: Average Daily Balance (including new purchases)
Annual Fee: $35 or $59
Additional Cardholders: $39 or $59 the first year, or $0 - $49 Introductory the first year, then either $35 or $59 per year thereafter
Grace Period: n/a
Minimum Credit Limit: n/a
Maximum Credit Limit: n/a
Late Payment Fee: Over the Credit Limit Fee: $19 if credit limit is less than or equal to $250; $30 if credit limit is more than $250
Cash Advance Fee: n/a
Balance Transfer Fee: n/a
Important Notations: It is our goal to offer you the credit card that best fits your credit profile based on your consumer credit report and other information you provide us. You may be offered a secured card or an unsecured card which will be disclosed before your application is processed.
Rewards
First Purchase Bonus: n/app
Balance Transfer Bonus: n/app
Annual Bonus: n/app
Other Bonus: n/app
Bonus Details n/app
Reward Type: n/app
Optional Rewards: n/app
Minimum Rebate: n/app
Rebate Details: n/app
Maximum Rebate: n/app
Additional Rebates: n/app
Miles per Dollar spent: n/app
Mile Reward Details: n/app
Additional Miles: n/app
Points per Dollar spent: n/app
Point Details: n/app