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| Intro APR | Regular APR | Credit Needed | Annual Fee |
| 0% APR for 6 Months | 14.90% | Bad Credit OK | $39 |
Orchard Bank Platinum MasterCard® Editorial Review
Consumers with an average or limited credit history will enjoy the platinum benefits of the Orchard Bank Platinum MasterCard issued by HSBC Bank Nevada. This card does not require an initial deposit or application fee, though it does have an annual fee that is based on the applicant’s credit history. Interest rates are reasonable for this type of card. Payment history is reported to all three credit bureaus on a monthly basis, so customers who pay their bills on time can use this card to build a positive credit history. Additional card benefits include purchase protection, lost or stolen card reporting, zero liability for fraudulent transactions and online account access. Customers will also receive periodic credit limit increases as long as bills are paid on time.
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