Orchard Bank Classic MasterCard®

Annual FEE: $49
APR: APR Varies*
Intro Rate: 0.00%
Card Type: Poor Credit

Key Benefits

Receive MasterCard® Privileges and Benefits
Reports to All 3 Credit Bureaus Monthly
Free Online 24-Hour Account Access and Bill Pay
Periodic Credit Limit Increases

Credit Card Reviews
The Orchard Bank Classic MasterCard®, issued by HSBC Bank Nevada, N.A., is designed for those with an average or a limited credit history who do not wish to secure a credit card account with a deposit, as this is often the case with a secured card.

Although the card can help those with a limited credit history, it does have several costly factors that should be considered before applying.

The interest rate is average for this type of card. The annual fee and the application fee are both $49, which, in both cases, is about average for this type of credit card. In total, the cardholder can expect to pay $98 in the first year. In addition, cardholders can take advantage of a 0% introductory rate for purchases for six months.

This card also offers common cardholder benefits such as emergency card replacement, lost and stolen card reporting, and no liability for unauthorized transactions.

Therefore, those who may occasionally carry a balance and do not mind paying the additional fees will benefit most from what the Orchard Bank Classic MasterCard® has to offer.