Orchard Bank Offers Four Credit Card Options For People With Bad Credit

If you have bad credit and are looking for a credit card, Orchard Bank has some of the best offers you can get. We’ve previously written about the Secured MasterCard from Orchard Bank which is what you can expect to be approved for if your credit really is at the bottom of the ratings. Depending on the company’s assessments of your risk factors, though, it’s possible to get approved for an even better card than the secured unit.

What credit cards can you hope to get approved for from Orchard Bank?

1. Orchard Bank Secured MasterCard

Read our review of Orchard’s secured MasterCard here.

2. Orchard Bank Gold MasterCard

If your credit is bad but not terrible and your credit risk factors don’t appear too unseemly either, you can get approved for an unsecured credit card. Credit limit won’t be too high but the terms will be pretty reasonable. You’ll be required to pay an account set-up fee of $19 and an annual fee between $39 and $96. You can get an APR between 8.9% to 18.9% (most likely you’ll get slotted into the higher end though).

3. Orchard Bank Platinum MasterCard

Another option you can get approved for is the Platinum MasterCard which, unlike the two previous choices, won’t require you to pay to have the account set up. You can also get the extra benefit of no annual fees - although most will likely get between $50 and $72. APR ranges from 8.9% to 18.9%.

4. Orchard Bank Prime MasterCard

If your credit rating is actually better than you expected, Orchard Bank will approve you for the Prime MasterCard. The card has no annual fee and APR is a fixed 15.99%. It carries a few extra benefits, including 0% introductory APR for the first six months.