I’ve had the Bank of America Secured Card for about 3 months now and I couldn’t be happier. It’s also a cash rewards card so you get money for every purchase you make. It’s not much (1% for regular purchases, 2% for groceries and 3% for gas) but it’s definitely a big plus. Your account is reviewed after 9 months and if you’ve handled your card responsibly, you could get your deposit back. The great thing about this card is that it can grow with you. I feel my Capital One will not grow with me at all (but it was definitely a good start).
I was just out of the country and used the BOA card abroad and had no problems whatsoever. If you are considering this card, the only advice I would give you is to go to the bank and apply in person. I think you have a bigger chance if you do this, but of course it’s only my opinion. I initially made a big deposit which boosted my credit score.
I can’t talk about the Orchard secured card, but I’ve heard good things. If you haven’t already check out this thread: http://www.newdirt.org/forums/topic.php?id=48