Ongoing APR	Setup Fee	Annual Fee	Credit Bureau Reporting	Credit Required
Prime + 3.15%	$0	$39-$59	Yes	Bad Credit OK

BankruptNews's Summary:

Another great card provided by Orchard Bank to those with no credit, little credit, damaged or even restored credit. Orchard Bank has millions of cardmembers who regard them highly because of the reputation Orchard Bank has for outstanding customer service, modest fees, and their focus on educating their cardmembers.

Orchard Bank uses their unique approach to educating cardmembers on obtaining and managing their credit to help cardmembers raise their credit scores.

With the addition of a Platinum card, Orchard Bank now appeals to those who want the prestige of a Platinum card but who also may not qualify for one by the standards of the rest of the credit industry.

Below are just a few of the great benefits offered by the Orchard Bank Platinum MasterCard®:

Enjoy the prestige of Platinum with no up front fees
Premium Platinum benefits including Purchase Protection
Great credit card to strengthen your credit
Reports to all 3 credit bureaus monthly, which can help improve your credit score
Free Online 24-hour Account Access and Bill Pay
Periodic credit limit increases

The Orchard Bank Platinum Card is a great way for you to increase your credit score with the use of a prestigious platinum credit card.