Citibank and Orchard Bank Offer Top MasterCard Credit Cards

MasterCard has retained its popularity through both social and economic change. There are a variety of products available for people with all kinds of credit, and all the cards listed in this guide accept online applications. These cards can be often be used for cash advances, balance transfers, online and in-person purchases, and more. In addition, a MasterCard often offers benefits like travel rewards and cash back. Enjoy the convenience and prestige these cards offer and apply for a MasterCard today.

For those with good credit, Citibank cards are an excellent choice. They also have friendly and efficient customer service, and tend to be generous with credit limits as well as increases. Their interest rates are also reasonable, and can often be lowered with a simple letter or phone call. The cards are also aesthetically appealing and attractive in any wallet. All cards come with Citi Identity Theft Solutions, a zero dollar liability for unauthorized purchases, and free online account services.

There are a constellation of MasterCard products offered, with many consumer benefits. Citi Platinum Select is a popular choice. The card has no annual fee and currently zero percent interest for up to 12 months. Balance transfers from other credit cards, whether Citibank or not, are allowed, and the average APR is 7.49 percent after the introductory period expires.

People with credit challenges can still enjoy the benefits of a MasterCard without having to purchase a debit card, prepaid card, or a card with very high fees. Orchard Bank not only offers special MasterCard products for people with excellent and good credit, but also they cater to people with fair to poor credit. Orchard Bank has an online application process that automatically selects the card a consumer is eligible for, dependent on their credit score and other application information such as income.

Orchard Bank Classic Cards are usually the result for those with credit issues, and there are custom design card options offered online. Once the card is approved and active, Orchard offers free online account management and complimentary e-mail and text message payment reminders. Qualified customers can enjoy a zero percent interest rate for up to six months on both balance transfers and purchases. Unlike many companies catering to the credit-challenged market, Orchard Bank offers unlimited free online payments. There is also 100 percent fraud protection and an opportunity to custom-select a regular payment due date, such as the 15th of each month.