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Related Card Offer: Citi® Platinum Select® Card APR: 11.99% Intro APR: 0.00% Annual Fee: $0 Apply Now

Orchard Bank Classic MasterCards®

APR's:
There is an introductory APR as low as 0.00% for 6 months. This intro rate applies towards both balance transfers and purchases. Be cautious that some card issuers may charge higher rates and fees for cash advances.

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 9.90% may be considered as a higher importance than rewards. Another consideration is that this offer does not have an annual fee.

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 Classic MasterCards® 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 were 5 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 80% of those applicants were approved. 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:

• 0% Introductory APR for 6 months on purchases and balance transfers, for qualified applicants*
  
• 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 to remind you of your upcoming payment due date with online enrollment

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**  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.

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