The Orchard Bank Platinum MasterCard®, issued by HSBC Bank Nevada, N.A., is designed for those with an average or a limited credit history who do not wish to secure a credit card account with a deposit, as this is often the case with a secured card.

This card can help those with a limited credit history, but there are several factors that should be considered before applying.

The annual fee is dependent on the applicant's credit history and will range from $39 to $59, which is average for this type of credit card. There is no application fee, and the interest rate is average for this type of card.

This card also offers common cardholder benefits such as purchase protection, lost and stolen card reporting, and no liability for unauthorized transactions. In addition, cardholders can take advantage of a 0% introductory rate for purchases for six months.

Therefore, those who do not mind paying the average annual fee and would like the option to occasionally carry a balance will benefit most from what the Orchard Bank Platinum MasterCard® has to offer.