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Issued by HSBC Bank Nevada, N.A. Categories: Secured
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Overall Rating
Benefit Rating
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The Orchard Bank MasterCard® Secured, issued by HSBC Bank Nevada, N.A., is designed for those with a limited or poor credit history. The major benefit of this card is the reasonable annual fee of $35. The APR for purchases is average for a secured card. In addition, cardholders can take advantage of a 0% introductory rate on purchases for six months. Unlike most secured credit cards, this card provides additional services and benefits including online account access, emergency card replacement, and various fraud protection services. As with most secured credit cards, there are no additional perks, benefits, or introductory rates provided to the cardholder, as the card is solely designed to help the cardholder establish credit. However, unlike most secured cards, cardholders will benefit from the fact that this card is that the deposit amount does earn interest annually. The card also reports to all three major credit bureaus. Therefore, those who may occasionally carry a balance and will take advantage of the various services will benefit most from what the Orchard Bank MasterCard® Secured has to offer.
Most Attractive Feature(s): No application fee; very low annual fee.
Least Attractive Feature(s): No extraordinary benefits or services offered.
Additional Perks
Various Internet account related services.
Emergency card replacement.
Emergency cash replacement.
Lost and stolen card reporting.
Various fraud protection services.
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: $35
- Additional Cardholders: $0
- Application Fee:
- Minimum Credit Limit: n/a
- Maximum Credit Limit: n/a
- Late Payment Fee: $29 on balances up to $1,000; $35 on balances over $1,000
- Over-The-Limit Fee: $29
- Cash Advance Fee: 5%, $5 minimum
- Balance Transfer Fee:
- Important Notations: ***The minimum deposit will vary from $100 to $200 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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