Credit Cards
Orchard Bank Classic Cards.
For a long period of time, many people have used Orchard Classic Cards to build their credit scores. These cards not only do they present an opportunity to build your credit score, but they also comes with built in benefits that you may use each and every day. Other benefits that come with the Orchard Classic Card are:
- Manage your account by use of the information that is provided to you any time you need it.
- In case you have an upcoming repayment deadline, you are able to receive email alerts and text messages that reminds you of the due date.
- Orchard Bank makes automatic regular monthly reports to the three major credit bureaus thus enabling you to build your credit score.
The terms and conditions of the cards are:
| Introductory APR and Duration | Variable Purchase and Balance Transfer APR | Variable Penalty APR | Annual Fee | Other Fees to Open Account |
| N/A | 14.90% – 19.90% or 7.90% for Secured | 29.49% | $0-$59 for the first year, $35-$59 per year thereafter | $0-$39 Processing Fee |
Orchard Bank Online Ecosmart Cards.
As a person who cares much about our environment the Orchard Bank Online Ecosmart Card is the perfect choice for you. Not only do you care for the surrounding, but also you earn rewards with each and every dollar you spend. By having this card, you are able to take care of the environment but just having to manage your account online. The material that makes these credit cards is also biodegradable.
The Orchard Bank Online Ecosmart Credit Card enables you to:
- You are able to choose to receive electronic statements by enrolling to your account online.
- You have an opportunity to sign up for E-Alerts. i.e. you design the kind of emails that you would like to receive notifying you about your account status and the deadlines for the payments you are required make.
- This card enables you to redeem eco friendly rewards, gift cards and even cash back. This is mainly through the points you earn for the money you use. Basically, you earn 2 points for every dollar you spend.
The terms and conditions for the Ecosmart card are:
| Introductory APR and Duration | Variable Purchase and Balance Transfer APR | Variable Penalty APR | Annual Fee | Other Fees to Open Account |
| N/A | 14.90%-19.90% or 7.90% for Secured | 29.49% | $0-$59 for the first year, $35-$59 per year thereafter | $0-$39 Processing Fee |
Orchard Bank Visa Cards
If you are looking to rebuild your credit score, then the Orchard Bank Visa Card is the perfect choice for you. There are several benefits that come with these cards and they help you to manage your account more easily. Some of these benefits are:
- You are able to get alerts on the deadline for an upcoming repayment or even inform you on the balance available in your account. You can do this by subscribing to email and text message alerts.
- The card enables you to check your balance and schedule payments at any time of the day as they offer a 24/7 online access to your account.
- You have an opportunity to improve your credit score as the Orchard Bank makes automatic monthly reports to the three major credit bureaus.
The Visa Card’s terms and conditions are:
| Introductory APR and Duration | Variable Purchase and Balance Transfer APR | Variable Penalty APR | Annual Fee | Other Fees to Open Account |
| None | 14.90% – 19.90% or 7.90% for Secured | 29.49% | $0-$59 for the first year, $35-$59 per year thereafter | $0-$39 Processing Fee |
Orchard Bank Secured MasterCard.
As an individual, if you are looking to establish or rebuild your credit score in your name, we recommend the Orchard Bank Secured MasterCard. With its low APR of just 7.9% along with the waiver of the first year’s annual fee, we believe this is the best card for you.
The Orchard Bank Secured MasterCard comes with several benefits such as:
- It gives you the ability to manage your account at any time of the day as well as buying goods online or even ordering for reservations.
- The card comes with a built in benefit of enabling you to subscribe to email alerts on your repayment due dates.
- To start enjoying these benefits, all you need is to print and send your application through a mail together with your initial deposit of at least $200 and you will automatically start building your credit score.
The terms and conditions for this card are:
| Introductory APR and Duration | Variable Purchase and Balance Transfer APR | Variable Penalty APR | Annual Fee | Fees to Open Account |
| N/A | 7.90% | 29.49% | $35, waived the first year | $200 Minimum initial Deposit |
| Introductory APR and Duration | Variable Purchase and Balance Transfer APR | Variable Penalty APR | Annual Fee | Other Fees to Open Account |
| N/A | 7.90% | 29.49% | $35, waived the first year | $200 Minimum Security Deposit |