Orchard Bank Platinum MasterCard® Issued by HSBC Bank Nevada, N.A.
	The Orchard Bank Platinum MasterCard® is designed for those with an average or a limited credit history who would prefer a traditional credit card over a secured or prepaid card. This card does not have an application fee, but it does charge an average annual fee that is based on your credit history. This fee is very reasonable in comparison to the amount of fees you'd pay for most prepaid cards. The interest rate for purchases will vary and standard cardholder benefits are also provided. In addition, cardholders can take advantage of a 0% introductory rate for purchases for six months. However, the best feature of this card is that it reports to all three credit bureaus. Review Date: 8/19/2008

Orchard Bank Classic MasterCard® Issued by HSBC Bank Nevada, N.A.
	The Orchard Bank Classic MasterCard® is for those with an average or a limited credit history who would prefer a traditional credit card over a secured or prepaid card. This card does have an application fee, which most traditional credit cards don't have, and it charges an annual fee. However, these fees are very reasonable in comparison to the amount of fees you'd pay for most prepaid cards. In addition, cardholders can take advantage of a 0% introductory rate for purchases for six months. The interest rates for all transactions are variable. Also, standard cardholder benefits are also provided. The best feature of this card is that it reports to all three credit bureaus. Review Date: 8/19/2008