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| Intro APR | Regular APR | Credit Needed | Annual Fee |
| No Introductory Rate Available | APR Varies* | None | $35 |
Orchard Bank MasterCard® Secured Editorial Review
Consumers with limited or poor credit history can benefit from the Orchard Bank MasterCard Secured issued by HSBC Bank Nevada. This card has a low annual fee for a secured card. There is no application fee and this card has a high approval rate. Interest rates are reasonable for this type of card and deposits that are made on the card will earn interest annually. Customers who pay their bills on time will receive periodic credit increases. Though there are no additional perks for this secured card, it does provide online account access, emergency card replacement and fraud protection. This card also reports the customer’s payment history to all three major credit bureaus, making this card a great resource for consumers who are trying to build or rebuild their credit history.
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