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Related Card Offer: Citi® Diamond Preferred® Card APR: 7.74% Intro APR: 0.00% Annual Fee: $0 Apply Now

Orchard Bank Low APR MasterCard®

APR's:
There is not an introductory APR for this card, so the lowest or standard rate of 7.90% will apply immediately. The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 5.4% to the U.S. prime rate.

Rewards:
This is not a rewards card. However, depending on your intended use, the low rate of 7.90% may be considered as a higher importance than rewards.

Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect applicants with troublesome credit histories. The recommendation made by the card issuer is broad, currently between 500-699.

Other Basics:
The grace period listed for the Orchard Bank Low APR MasterCard® is at least 25 days. So interest charges will not be applied during those days.

This card is intended for consumers, or "personal use".

This card contains the brand of MasterCard, where acceptance is global. Most businesses that accept credit cards will accept MasterCard as a form of payment.

Approval Rate:
There was 1 person that reported the application status to us after applying. The applicant was approved. Helpful qualification information, including credit scores, rates, household income and more was reported. This card has a very poor approval or acceptance rate. Since this is a card for fair credit, numerous factors may influence this rate, including the APR, fees, or past applicants credit record and income levels. If you believe that you fall into the credit record of "Fair Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 500, then your chance of approval may be greater than other applicants.

Approval Time:
Great news for applicants that do not want to wait on a application status. This card offer may give instant approval decisions. Remember, this may not be true in all cases, where application information may not be complete, questionable or for other reasons. When applying on-line, the system will normally show your approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive after your application is approved.

Offer Details:

The Orchard Bank Low APR Cards come with an amazing 7.9% - 8.9% variable purchase APR, and are designed for people seeking to rebuild their credit. They also come with great benefits that fit the needs of managing an account easily. These cards come as either Platinum, Gold, Classic, or Secured, and we'll pre-qualify you in as little as 60 seconds so you'll know which one you'll most likely be approved for.

• 7.9% - 8.9% variable purchase APR on all cards
  
• Free standard Online Bill Pay, no matter how often you use it
  
• Your choice of payment due dates to make paying your bill on time easier with online enrollment
  
• Email or text message alerts to remind you of your available balance and upcoming payment due date with online enrollment

It's fast and easy to compare card offers by the criteria you require. That way you get the best card for your needs.   Search Options:  Consumer credit card database All credit cards

**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

Options: View rates and fees for all cards.