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Issued by HSBC Bank Nevada, N.A. Categories: Poor Credit
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Overall Rating
Benefit Rating
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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 $89, 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. In addition, cardholders can take advantage of a 0% introductory rate for purchases for six months. 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.
Most Attractive Feature(s): Very low APR for purchases; reports to credit bureaus.
Least Attractive Feature(s): Annual fee.
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.
Rates & Fees
- Introductory Rate: 0% APR for 6 Months
- Introductory Rate Details: None
- Grace Period: 25 Days
- Applied Towards: Purchases
- APR (Purchases) %: 14.9
- APR (Cash Advances) %:
- Finance Configuration: Average Daily Balance (including new purchases)
- Annual Fee: $39**
- Additional Cardholders: $0
- Application Fee:
- Minimum Credit Limit: n/a
- Maximum Credit Limit: n/a
- Late Payment Fee: $30 on balances up to $1,000; $35 on balances over $1,000
- Over-The-Limit Fee: $30
- Cash Advance Fee: Greater of 5% or $5
- Balance Transfer Fee:
- Important 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.
* See the online credit card applications for details about Terms and Conditions of offer.
Note: The credit card information is believed to be accurate during the update. However, all 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. When you click on the " Apply " button you can review the credit card Terms and Conditions on the credit card issuer's web site.
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- No Annual Fee for the First Year - $125 Thereafter
- Earn 10,000 Membership Rewards® Bonus Points After Your First Purchase with the Card - Redeemable for a $100 Gift Card
- No Pre-Set Spending Limit
- The Membership Rewards Program® - Earn 1 Membership Rewards® Point for Virtually Every Dollar You Spend. You can Redeem Points for Your Choice of Truly Exceptional Travel, Shopping, and Entertainment Rewards
- Gold Card Events - Exclusive Access to Tickets for Select Concerts, Shows, Major Sporting Events, and More in Cities Nationwide
- Global Assist® Plus Hotline and Many More Benefits Included
- Express Approval. Get a Decision in Less than 60 Seconds
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
| n/app |
Not Available |
$125** |
No Introductory Rate Available |
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- No Annual Fee for the First Year - $95 Thereafter
- Earn 5,000 Membership Rewards® Bonus Points After Your First Purchase With the Card -- Redeemable for a $50 Gift Card
- The Membership Rewards® Program also Lets You Transfer Points to 11 Frequent Flyer Programs: 1 Point = 1 Frequent Flyer Mile or Frequent Guest Credit for Most Programs
- Purchase Protection Plan Protects Eligible Purchases Made with the Card Against Accidental Damage and Theft for up to 90 Days from the Date of Purchase
- Many Other Travel and Shopping Benefits
- No Pre-Set Spending Limit
- Express Approval. Get a Decision in Less than 60 Seconds
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
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$95** |
No Introductory Rate Available |
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