Orchard Bank® Classic MasterCard®

Updated: Jul 26, 2021

Advertiser Disclosure

Once Issued by HSBC Bank and acquired by Capital One, N.A., the Orchard Bank Classic Master Card once was a great credit card to strengthen your credit. Orchard Bank credit cards are no longer available.




14.99%-24.99%, or 7.99% Variable



794 User Ratings

Orchard Bank® Classic MasterCard®

This card is not available right now.

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Introductory APR


Intro APR Period


Minimum Credit Score

Bad Credit OK

Key Features

  • Discontinued Card Offer. Check Card for Bad Credit section for alternatives.
  • An excellent credit card for help rebuilding credit reports to 3 major credit bureaus monthly!
  • 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

Our Take

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Basic Information
Issuer: Capital One
Network: Mastercard®
Category: Consumer (Regular)
Best Used For:
  • Cards for Bad Credit
  • Instant Decision
  • Low Interest Rate
Rewards: No
Rates & Fees
Regular APR: 14.99%-24.99%, or 7.99%
Regular APR Type: Variable
Annual Fee: $59
Balance Transfer: Yes
APR on Cash Advances: 29.99%
Late Payment Fee: $35
Other Fees:
  • Over the Credit Limit Fee: $19 if credit limit is less than or equal to $250; $30 if credit limit is more than $250
  • Variable Penalty APR: 29.49%
  • Balance Transfer APR: 7.90%-19.90%
  • Processing Fee: $0 $59, based on creditworthiness

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Additional Information & Comments

* Annual Fee: $39 or $59 the first year, or $0 - $49 Introductory the first year, then either $35 or $59 per year thereafter
Disclosure: It is Bank's goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and conditions which will be disclosed before your application is processed.

Non-Affiliate Offer Disclosure
*The information provided for Orchard Bank® Classic MasterCard® is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

Orchard Bank® Classic MasterCard®

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Orchard Bank® Classic MasterCard®

Orchard Bank® Classic MasterCard®

Min. Credit Required: Bad Credit OK

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