If you are looking for a card that gives you benefits on a daily basis and also helps you to establish better credit then the best option for you is an Orchard Bank Classic MasterCard. Orchard Bank Classic MasterCard is good for those customers who have less or no credit or are recovering from bankruptcy filing. One of the largest and most famous banks like the HSBC Bank now deals with Orchard Bank. Moreover, unlike other Platinum, Gold and Secured cards, this classic MasterCard monitors your credit and approves you for a card that matches your credit history. Hence, if you have a better credit that orders on being considered having fair credit, you may be approved for a card with no annual fee and a 0% APR deal. However, if your credit is considerably less, then the best option for a customer to use is a secured credit card. Orchard Bank Classic MasterCard is reasonably affordable if other charges are not issued on it.

As previously told, HSBC now owns Orchard Bank Classic MasterCard. On applying for this card, a customer is approved for one of the four cards listed below.

Orchard Bank Secured Master Card: This card is for that category of customers having less or no credit history or for those who have just recovered from bankruptcy. The card has an annual fee of $35 which is waived off for the first year and has none of the one-time application or processing fee common in other secured or sub-prime credit cards. All you need to do is deposit a sum between $200 and $1500 and you are given a credit limit based on 100% on your deposit. The APR is a jaw dropping low rate of 7.90%. Another advantage of Orchard Bank Secured Master Card is that it reports to the three major credit agencies and is a very good credit card to start establishing your credit.

Orchard Bank Classic Master Card: This card is one level up from the Secured Card and has the annual fee of $49 to $74. You also have to pay a one time processing fee anywhere from $19 to $39. Its APR is very reasonable at 14.90% to 19.90%

Orchard Bank Gold Master Card – unsecured: Another card in the category is the Orchard Bank Gold Master Card with annual fee of $74 to $79 and one-time application fee of $19 to $39. The APR ranges from 14.90% to 19.90%. You can only be approved for this card if you qualify for an unsecured credit card

Orchard Bank Platinum Master Card – the fourth card in the list is the Orchard Bank Platinum Master Card which has an annual fee ranging from $39 to $74 depending on your credit profile having no one-time application fee. The APR ranges from 14.90% to 19.90%.

Because HSBC will offer you any of the four cards, you are highly unlikely to be turned downed for your application. If your credit is better than you think, you may even get a no annual fee Orchard Bank Prime Master card with a 6 month 0% balance transfer offer. OrChard Credit Cards