Text Size 
The Orchard Bank Credit Card gives you the opportunity to build your credit through responsible use. Keep in mind that while using credit wisely can help you build your credit, making late payments, exceeding your credit limit or your performance on other accounts can have a negative impact on your credit rating.
It is our goal to offer you the credit card that best fits your credit profile based on your consumer credit report and other information you provide us. You may be offered a secured or unsecured credit card which will be disclosed before your application is processed.
| CARD TYPE | INTRODUCTORY APR | VARIABLE PURCHASE APR | PROCESSING FEE | ANNUAL FEE |
|---|---|---|---|---|
| Platinum | n/a | 14.99% or 19.99% | $0 | $39 or $59 |
| Gold | n/a | 19.99% | $19 | $49 Introductory the first year $59 per year thereafter |
| Standard | n/a | 19.99% or 24.99% | $39 or $59 | $0 or $29 Introductory the first year, $59 per year thereafter |
| Secured | n/a | 7.99% | $0 Processing Fee ($200 minimum security deposit required) |
$0 Introductory the first year, $35 per year thereafter |
^The information about the costs and benefits of the card described in this offer is accurate as of 5/1/2012. Variable APRs will vary with the market based on the Prime Rate.
Rates and Fees Specific to Unsecured Credit Cards:
*The variable Purchase APR is between 14.99% and 24.99%, based on your creditworthiness. The variable Balance Transfer APR is between 14.99% and 24.99%, based on your creditworthiness, and applies to balance transfers and credit card checks. Balance Transfers may not always be available. An Annual Fee either $39 or $59 will apply, unless you receive an Introductory Annual Fee for the first year of $0, $29 or $49, then after that a $59 Annual Fee will apply. A Processing Fee between $0 and $59 will apply, based on your creditworthiness.
Rates and Fees Specific to Secured Credit Cards:
The variable Purchase APR is 7.99%. The variable Balance Transfer APR is 7.99% and applies to balance transfers and credit card checks. Balance Transfers may not always be available. An Introductory Annual Fee of $0 will apply the first year, then after that a $35 Annual Fee will apply. The Processing Fee is $0. Minimum $200 security deposit required. Any credit extended under the secured credit card is secured by a deposit account with HSBC Bank USA, N.A.
Rates and Fees for All Unsecured and Secured Credit Cards:
The variable Cash APR is 20.90%. Your APRs may increase to the Penalty APR if you make a late payment. The variable Penalty APR is 29.99%. A Balance Transfer Fee of 5% ($5 minimum) will apply to balance transfers, if available, including credit card checks. A 5% ($5 minimum) Cash Advance Fee will apply to cash advances. The Minimum Interest Charge is $1.
The Orchard Bank® Visa® Card is issued by Capital One Bank (USA), N.A. Visa is a registered trademark of Visa International Service Association.
Privacy/Security
We are committed to safeguarding your privacy online. If you would like more details, please visit our Privacy and Security Information at orchardbank.com.
Credit Card Correspondence
1441 Schilling Place
Salinas, CA 93912
This site provides information about and access to financial services offered by the Capital One family of companies, including Capital One Bank (USA), N.A. and Capital One, N.A., Members FDIC.
© Capital One
Privacy and Security | Terms of Use | Link Policy | Accessibility
