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Orchard Bank Platinum MasterCard®
Issued By: HSBC Bank Nevada, N.A. |
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Periodic Credit Limit Increases
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Free Online 24-Hour Account Access and Bill Pay
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Reports to All 3 Credit Bureaus Monthly
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Premium Platinum Benefits Including Purchase Protection
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Enjoy the Prestige of Platinum with No Up Front Fees
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CreditCard49 Rating
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Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Intro Good On |
Credit Needed |
NA |
NA |
14.900% |
$39.00 |
None |
Very Good |
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Card Info Last Reviewed 2007-04-11 |
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Our Review
The Orchard Bank Platinum 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.
This card can help those with a limited credit history, but there are several factors that should be considered before applying.
There is an annual fee that is dependent on the applicant's credit history and will range from $39 to $84, which is about average for this type of credit card. However, there is no application fee associated with this card, and the interest rate is average for this type of card. In total, the cardholder can expect to pay from $24 to $69 in the first year.
This card also offers common cardholder benefits such as purchase protection, lost and stolen card reporting, and no liability for unauthorized transactions.
Therefore, those who do not mind paying the average annual fee and would like the option to occasionally carry a balance will benefit most from what the Orchard Bank Platinum MasterCard® has to offer.
Additional Perks
Various Internet account related services.
Purchase protection.
Emergency card replacement.
Emergency cash replacement.
Lost and stolen card reporting.
No liability for unauthorized transactions.
Choice of payment due dates.
See website for additional benefits.
Notations
***The total fees for the first year will vary from $24 to $69 depending on the applicant's prior credit history.
See website for complete terms and conditions of card usage and application disclosure.
View Website Details
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