Orchard Bank Visa Cards

From the CompareCards.com Editorial Team:

The Orchard Visa credit card comes in a few versions, so you get to pick the one that is the best match for your needs and your credit profile.

You can get the Gold Orchard Visa, for instance, with a $49 annual fee in the first year – and intro rate than levels up to $59 for the rest of the years you have the card. With it you’ll get a 19.90% APR and, unless you have really good credit that qualifies you for a 14.90% rate. There is also a standard card with an APR of 19.90%, with a $39 application or processing fee and a $29 membership fee for the first year that rises to $59 in subsequent years.
               
The secured version of this card does not have as much flexibility in terms of offering you credit, because you have to make a partial or full payment to fund your line of credit. But your APR is only 7.90%, which is a really low rate compared to most credit cards. There is also an annual membership fee of $35 that you don’t have to pay the first year.  A minimum $200 security deposit is required to start your account but there is no processing or application fee. So depending on your credit status there is an Orchard Visa to suit you and meet your needs, and all of them have straightforward terms and conditions and are backed by a leading financial institution.

The Bottom-Line
The Orchard Visa gives you a true Visa credit card backed by a major bank, with various versions available to you based on your level of credit worthiness. The terms are reasonable, although there are annual membership fees and just basic credit card amenities and features. So you won’t get a fancy card or lots of perks and benefits, but you will most likely find a good dependable card regardless of your current credit situation or lack of strong credit history.

The Good
There are three levels to choose from, and even if you have poor credit you can probably qualify as long as your credit is not downright terrible. The terms are reasonable, the card is legitimate, and it is accepted worldwide by tens of thousands of Visa affiliated merchants.

The Not So Good
The Orchard Visa carries an annual fee. If you have pretty good credit then this might not be your best option, because it is designed to fulfill the needs of people with not such great credit.