Orchard Bank Mastercard Review: Credit Cards

	Apply for Orchard Bank Mastercard
Rating:
Bottom Line:	Top pick for rebuilding your credit history; great choice for those with poor credit; offers both unsecured and secured cards; includes 3-bureau credit reporting
Full Review:	Orchard Bank Mastercard is our top pick for those who want to help rebuild their credit. Whether you qualify for an unsecured or secured card, Orchard Bank provides the opportunity to build or rehabilitate your credit history with automatic monthly reporting to all 3 credit bureaus. Orchard Bank also offers the virtually identical Orchard Bank Visa Card, if you prefer a Visa instead of a Mastercard. You'll Be Pre-Qualified Unique application process pre-qualifies users for either an unsecured or secured credit card, based on credit history. Your credit score will not be affected by applying. Unsecured credit cards act just like any standard credit card would, and don't require a security deposit or prepayment. Secured credit cards are guaranteed by your funds, which act as a "security deposit" in case you default on the loan extended by the credit card company. Helps Credit History Helps boost your credit history by reporting to all 3 credit bureaus every month so you can establish or rebuild your credit. Looks like any other credit card on the credit reports. If you have a secured card, it does not indicate so in any way, a nice feature. If you make your payments on time, you can help improve your credit score with good payment behavior. Fees and APR Unsecured Annual Fee: $29 first year, $59 thereafter. Secured Annual Fee: $0 first year, $35 thereafter. Purchase APR: 14.99-24.99% (Variable), depending on creditworthiness, or 7.99% for Secured card. Balance Transfer APR: Same as purchase APR. Apply for Orchard Bank Mastercard

Card Details:

Purchase APR:	14.99-24.99% (Variable) for unsecured card; 7.99% for secured card
Features:	Users prequalified for either unsecured or secured card
Annual Fee :	$0-$59 annual fee
Credit Needed:	Reports to all 3 credit bureaus every month

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Orchard Bank Mastercard Review: Credit Cards

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