Orchard Bank Gold MasterCard®
Issued by HSBC Bank Nevada, N.A.

Review

The Orchard Bank Gold 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. There is an annual fee of $79, which is about average for this type of credit card. There is also an application fee of $9. In total, the cardholder can expect to pay $88 in the first year.

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 various fees will benefit most from what the Orchard Bank Gold MasterCard® has to offer.

Most Attractive Feature(s): Reports to credit bureaus; very low APR for purchases.

Least Attractive Feature(s): Annual fee.

Additional Perks

Various Internet account related services.
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.

Important Notations

***The total application fee will vary from $9 to $39 depending on the applicant's prior credit history.
See website for complete terms and conditions of card usage and application disclosure.
 

Note: The review on this card was updated on 4/11/2007. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.