Orchard Bank Secured MasterCard®

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The Orchard Bank Secured MasterCard® is ideal if you need to make transactions that normally require a traditional credit card, but you have trouble obtaining one.

As with all secured cards, the available balance on the card for purchases must be secured through a bank account. Once you are approved, your credit limit is equal to the amount you are allowed to deposit to this account, which will be reviewed for increases periodically.

You'll then be able to use the Orchard Bank Secured Mastercard anywhere a traditional credit card is accepted. The Orchard Bank Secured Mastercard does have a low annual fee, but there are no application or participation fees.

In addition, Orchard Bank Secured Mastercard cardholders can take advantage of a 0% introductory rate on purchases for six months. However, unlike prepaid cards, you'll still have to pay interest if you choose to carry a balance on the Orchard Bank Secured Mastercard, but the interest rate for purchases is average.

Various cardholder benefits are also provided.