Orchard Bank® Visa® Cards Review
Issued by
  
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Overall Rating:   Benefit Rating: |
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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!
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!
Review Date: May 01, 2012
Note: The review on this card was updated on May 01, 2012. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
| Credit Card Rate Details | |
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Intro Rate (Intro APR):
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No Introductory Rate Available |
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Additional Intro Details:
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n/app |
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Purchase APR:
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14.99% or 24.99%, or 7.99% for secured cards (Variable) |
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Cash APR:
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Varies (Variable) |
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Finance Configuration:
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Average Daily Balance (including new purchases) |
| Credit Card Fee Details | |
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Annual Fee:
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$35 or $59 |
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Annual Fee Details:
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$39 or $59 the first year, or $0 - $49 Introductory the first year, then either $35 or $59 per year thereafter |
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Grace Period:
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n/a |
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Over the Limit Fee:
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Over the Credit Limit Fee: $19 if credit limit is less than or equal to $250; $30 if credit limit is more than $250 |
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Cash Advance Fee:
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n/a |
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Balance Transfer Fee:
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n/a |
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Application Fee:
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$0 - $59 |
| Features |
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Most Attractive Feature(s):
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| Reports to credit bureaus; additional cardholder benefits. |
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Least Attractive Feature(s):
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| Annual fees; processing fees. |
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Additional Features:
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| See website for additional benefits. |
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Important Notations
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| 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. |
| Additional Information |
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Apply Online for the Orchard Bank® Visa® Cards from See other Bad-Credit Credit Cards See other Credit Cards Issued by See other Visa Credit Cards |