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Orchard Bank Classic MasterCards® - Beach Review

Our editor's take

Curtis Arnold Editor-in-chief
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Folks with little or no credit should get a secured card, which this card is not. But what I like about this card is that for those with far less than "good credit" it is one notch above a secured card. They can get this card but not have to deal with secured card issues. This card still reports to the three credit bureaus to help build credit history, which constitutes about 33% of the credit score. Downside: annual fee of $39 or $59 the first year, or $0 - $49 Introductory the first year, then either $35 or $59 per year thereafter depending on the type of card you qualify for and you also have to pay a one-time processing fee of anywhere from $0 to $59. The APR is moderate to high based on credit worthiness.
Curtis Arnold
Curtis Arnold

Orchard Bank Classic MasterCards® - Beach details

Balance Transfer Intro APR:
Balance Transfer Intro Period:
Purchase Intro:
Purchase APR:
14.99% - 24.99% Variable
Annual Fee:
$35 - $59
$39 or $59 the first year, or $0 - $49 Introductory the first year, then either $35 or $59 per year thereafter
see more details ∨

Credit Card Rate Information:

  Balance Transfer
  Cash Advance
 11.74 - 16.74
 11.74 - 16.74
  14.99% - 24.99% Variable
 14.99% - 24.99% Variable
 20.90% Variable
APR Floor:
Intro Rate:
Intro Period:

Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 29.99% Variable
Default/Penalty Margin:
Default/Penalty APR Floor:
Maximum Default APR:
 29.99% Variable
Penalty/Default Trigger:
 Late Payment

Credit Card Fee Information:

Annual Fee:
 $35 - $59 ($39 or $59 the first year, or $0 - $49 Introductory the first year, then either $35 or $59 per year thereafter)
Foreign Transaction Fee:
Late Fee:
 Up to - $35
(Up to $35)
Over-the-limit Fee:
 Up to $25
Balance Transfer Fee:
5% ($5 min. )(($5 min) (whichever is greater))  


Rebate Description:
Special Notes:
Credit Card More Information:

Card Issued By:
 HSBC for Orchard Bank
General Correspondence Address:
 821 2nd Ave #1800
Card Type:
Card Class:
Card Category:
States Available In:
Minimum Credit Limit:
 $200 min.
Maximum Credit Limit:
Credit Limit Notes:

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About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

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