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Orchard Bank Visa Cards
&
PenFed Promise VISA Card
Side-by-Side Comparison


Here is the detailed comparison.

Orchard Bank Visa Cards and PenFed Promise VISA Card

Orchard Bank Visa Cards Offer Orchard Bank Visa Cards  Official
Card
Name
PenFed Promise VISA Card  PenFed Promise VISA Card Offer
HSBC Logo HSBC 
 
Issuer
   Logo
 
Visa  Brand Visa 
$39.00 1 year, then $59.00*  Annual Fee $0.00* 
n/a*  Introductory
Rate
7.49* 
n/a*  Length of
Intro Period
36 Mo. on purchases* 
14.99-19.99% (Fixed)*  Go To Rate
(After Intro)
9.99% (Fixed)* 
Yes  Balance Transfer
Available
Yes 
Fair  Credit Level
Required
Good 
Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit   Bullet Points:
1
Absolutely No Fees 
Acceptance at millions of locations worldwide, including website purchases and reservations  2 7.49% introductory purchase APR for first 36 months. After that, the APR will vary with the Prime Rate, and is currently 9.99% APR. 
Your account information is updated and at your fingertips 24/7 so you can manage it your way  3 No-fee cash advances carry a 17.99% APR  
Email and text messages to remind you of your upcoming payment due date with online enrollment  4 No Foreign Transaction Fees 
Knowledgeable customer service representatives to assist you with questions or concerns  5 Some restrictions apply. 
     



 


     


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