The Orchard Bank Gold MasterCard is designed for the average person who has an average or limited credit history. Card holders like this card because it does not require a deposit to secure the credit card account. A deposit is required when opening many other secured credit cards.

The Orchard Bank Gold MasterCard, which is issued through HSBC Bank Nevada, N.A., has an annual fee of $79. Although this may seem like a lot, it is actually average for this type of card. The card