Cap one has been better to me. I got my Orchard in 3/10 with a $59 AF (scores at 660) and my Cap One in 5/10 $39 AF (same scores) A year later and my cap one is at $2250 with cash back rewards and my Orchard is still at $300 where it started. My cap one started at $500 then went to $750 and hung out there for a few months and was increased in December to the $2250.
My Orchard gets 2 more weeks so I can make sure everything is paid off then it gets closed.
Cap one just sent me an offer for a $19 AF card that is waived the first year.
@llecs wrote:
A choice between CapOne and Orchard? I'd choose Orchard.
I've had both CCs. My CapOne started at $500 I believe and increased to $1000 over the first year via Credit Steps. However, that was over 2 years ago and it still sits there at $1000. The odds of getting that $1000 to budge are slim to none. They don't do manual CLIs and there was a rarity of CLIs recently, but I never felt any love. They also pull each report in the approval process which really isn't worth the $1000 in hindsight.
My Orchard was a partially secured card ($500/$600) and they also have a reputation of not increasing. I tried in vain to get them to unsecure but no luck. But it seems recently that they softened and there were a few success stories of them unsecuring. Now I'm not saying to get a secured, but their management must have changed somewhere and it seems like quite a few folks were getting CLIs come lately. I think you can also ask for a CLI at any time via their luv button.
In comparison, the chances of getting CLIs and having the card grow with you are better with Orchard and with less inquiries.
