The Orchard Bank Platinum MasterCard is issued by HSBC Bank Nevada, N.A.  It is a platinum level card that is designed for those that have poor credit and that want to work on improving it.  You have the prestige of platinum.  For cardholders, one of the best benefits to this type of card is that it offers no upfront fees like many other, similar style cards for consumers.  You get periodic credit limit increases with this card.

Since the card is designed for those that have less than perfect credit, it can help you to rebuild your credit because it reports to all three credit bureaus each month.  You can also manage your account easily by logging into it right online for no cost.  The 24 hour access allows you to make bill payments quickly and mange your finances simply.

The Orchard Bank Platinum MasterCard allows you to select a payment due date.  In addition, there is $0 liability fraud protection with the credit line.  There is an annual fee of between $39 and $59.  The APR on the accounts will range between 8.9 percent and 14.0 percent.  This is low for a poor credit card.  There is no processing fee.