If you have no credit or bad credit, we highly recommend the Orchard Bank Classic MasterCard or the Orchard Bank Visa Classic (both are the same, except one is a MasterCard, the other is a Visa) which are actually issued by Capital One Bank, an international bank you can rely on. Orchard Bank has a unique application process: it screens your credit first before offering you a card that matches your credit history.

There are 4 cards (Platinum, Gold, Standard or Secured) under the Orchard Bank Classic (see image below), and they are among the best credit cards in the US for people who don’t have a good credit score and want to build up their credit so that they can later enjoy the many benefits of having good credit.

Here I’ll do a review of the Orchard Bank Classic, tell you what we like and dislike about this card, and how we rate this credit card.

Things We Like About This Card

Terms & conditions of card disclosed to you before your application is processed. When you apply online for the Orchard Bank Classic MasterCard/Visa, your credit profile is screened, and based on that they may approve you for either a secured credit card or an unsecured credit card, and disclose to you the card’s terms and conditions before your application is processed. All this is done in under 60 seconds!

Reasonably low APR and annual fees. Orchard Bank cards have the best rates compared to other sub-prime credit cards which usually charge sky-high interest rates. Many other sub-prime credit cards charge an annual fee of more than $100.

This card reports to the 3 major credit bureaus. This means that if you have been diligent paying on time and not going over your credit limit, your credit score will improve and soon you will be able to enjoy the many advantages of having a better credit score, such as being offered lower credit card interest rates and being qualified for a no-annual-fee credit card that comes with a rewards program.

This credit card is accepted in most places worldwide. Regardless of whether you have been approved for an unsecured (‘regular’) credit card or a secured credit card, this Orchard Bank card is a genuine credit card which you can use almost anywhere worldwide where Visa or MasterCard is accepted. As an actual credit card, you can use this card to make hotel or car rental reservations, or make purchases online.

On-call customer service. In case you have any questions or concerns about this card, you can call their customer service and ask them whatever questions you have about the card.

Free reminder of your upcoming payment due date. If you enroll online to this program, you will receive text and email messages of the due dates of your upcoming payments, which can be very helpful in making sure you are not late in any payments, since the main purpose of having this credit card is to build up a good credit score and the best way to do it is through paying your bills on time.

Feel safer with 100% fraud liability protection. To make you feel more secure, this card offers zero fraud liability protection so you won’t be responsible for any unauthorized transactions on your card.

Set up your personal customized spending alerts. To make sure you don’t exceed your spending limit and overspend, this card allows you to set up your own personal customized spending alerts so that you can be more informed.

Our Least Favorite Things About This Card

You have to pay an annual fee. During your first year as a cardmember, you will have to pay an annual fee of $39 or $59 depending on your credit score or an introductory annual fee of $0 or $49, depending on the type of card you are approved for. Thereafter, you’ll have to pay an annual fee $59. Most cards for people with bad or no credit charge an annual fee.

Processing fee. To open the account, you’ll have to pay a processing fee between $0 and $59 depending on the type of card you are approved for.

Our Verdict: 4.2/5 Stars

If you have poor credit or no credit at all and you want to do something about it and build up a good credit, you should consider getting the Orchard Bank Classic MasterCard since it is one of the best credit cards in the US for people with bad or no credit.

The Orchard Bank Classic MasterCard not only helps you build your credit score, its rates and fees are much lower than that of other sub-prime credit cards or secured credit cards. We at DailyMarkets.com highly recommend this Capital One Bank-issued card.

Click here to go to the Capital One Bank official application to apply online for the Orchard Bank Classic MasterCard or Orchard Bank Visa Classic now.

Would you prefer a Capital One Secured Card instead? If so read our review of Capital One Secured Card. It is one of the best secured cards in the US, and is issued by Capital One Financial, a large credit card issuer.