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    Orchard Bank (HSBC)

    Consumers with less than perfect credit should compare the pros and cons of a secured credit card and look into the option of a non-secured credit card from Orchard Bank. Check reviews and ratings from editors to see if you should complete an Orchard Bank credit card application. Orchard Bank Credit Cards are issued by HSBC Bank Nevada, N.A. These credit cards are targeted to those that are looking to build or rebuild their credit score. If you're looking for a card with benefits you can use on a daily basis and that can help you establish better credit at the same time, you may be interested in the Orchard Bank Classic Cards.

Orchard Bank® Visa® Classic

Editor's Rating


Apply Online for Orchard Bank® Visa® Classic Apply Now
  • Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
  • Acceptance at millions of locations worldwide, including website purchases and reservations
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way
  • Email and text messages are available to remind you of your upcoming payment due date
  • Knowledgeable customer service representatives to assist you with questions or concerns

Orchard Bank Classic MasterCards® - Beach

Editor's Rating


Apply Online for Orchard Bank Classic MasterCards® - Beach Apply Now
  • An excellent credit card for help rebuilding credit; reports to 3 major credit bureaus monthly!
  • Acceptance at millions of locations worldwide, including website purchases and reservations
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way
  • Email and text messages are available to remind you of your upcoming payment due date
  • Knowledgeable customer service representatives to assist you with questions or concerns
We scour. You save
Every day, we search the web to find the very
best deals and money-saving tips. Then we
send them right to you.
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Credit Card Database

What is an Orchard Bank credit card?

Orchard Bank offers four credit cards, each designed to fit your credit profile, whether you need a credit card for limited credit, poor credit or fair credit. The bank offers both MasterCard and Visa credit cards and reports payments every month to all three credit bureaus, which can help boost your credit score if you make your payments on time.

  • Secured. This credit card requires a $200 minimum security deposit and has a variable interest rate of 7.9 percent APR. The annual fee is waived for the first year and is $35 after that.
  • Classic. Annual fee of $29 for the first year, $59 thereafter, with a variable interest rate of 19.9 percent APR.
  • Gold. Annual fee of $49 for the first year, $59 thereafter, with a variable interest rate of 19.9 percent APR.
  • Platinum. Annual fee of $19 to $59, with a variable interest rate of 14.9 percent to 19.9 percent APR.

Who benefits most from an Orchard Bank credit card? >>

Who benefits most from an Orchard Bank credit card?

Young people or people who are relatively new residents in the U.S. may have difficulty qualifying for credit because they lack a credit history. Other consumers may have a low credit score because of past late payments, overuse of credit cards or other financial problems. Consumers in either of these groups can benefit from an Orchard Bank credit card because these cards are designed for people with less than perfect credit.

How do I decide which credit card is best for me? >>

How do I decide which credit card is best for me?

Before you decide to apply for a new credit card, you should take two steps.

First, request your free annual credit report and pay a small fee to get your credit score. Review your credit history carefully so you can see what credit card companies see, both good and bad. Once you know where you stand, you'll have a better idea of whether you need to apply for credit cards for poor credit or credit cards for limited credit.

Second, consider your financial goals. If you don't have a credit history or you are trying to improve your credit score, you can use a new credit card solely to charge something and then make on-time payments to prove you can be responsible with credit. You may also be looking to pay down your debt at a lower interest rate with a balance transfer or a low interest rate credit card. Taking the time to build your credit will help you qualify for better credit card offers.

How can I improve my credit score to qualify for the best credit cards? >>

How can I improve my credit score to qualify for the best credit cards?

The basic steps for improving your credit score include paying your bills on time, reducing debt and limiting your use of a credit card to less than 50 percent of the limit. Consumers can use a credit card such as those offered by Orchard Bank to improve their score because Orchard Bank reports all payments to all three credit card bureaus each month. The bank helps customers maintain a record of on-time payments by sending email or text alerts about upcoming payments. After several months of on-time payments and responsible use of credit, customers should see an improvement in their credit score.

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