The Orchard Bank MasterCard Secured is an ideal choice for those that want a safe option for building credit through a secured credit line.  This credit line is ideal for those looking to develop credit.  It offers an initial credit limit as high as $1000.  The card does report to all three major credit bureaus so that you can develop a credit history with it.  Additionally, you can earn interest on your deposit, which allows you to benefit even more so with this line.

You can select the due date for the credit line.  The annual fee ranges based on the credit score of the individual, but can range from $0 to $39.  It offers an affordable APR of 8.9 percent to 14.90 percent.  There is a minimum deposit of $200 required for this credit line to get started.  A deposit helps to secure the line of credit, giving the lender and the card user protection.  You also get to take advantage of the company's easy to use and free online services including finance management.

With competitive APRs and with the ability to see credit limit increases often, this card holder is an ideal choice for many borrowers with less than perfect credit or no credit history.