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Citi CashReturns(SM) Card
and
Orchard Bank Classic MasterCard®
Side-by-Side Comparison

Here is the detailed comparison.
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Citi CashReturns(SM) Card and Orchard Bank Classic MasterCard®

Citi CashReturns(SM) Card Offer Citi CashReturns(SM) Card  Official
Card
Name
Orchard Bank Classic MasterCard®  Orchard Bank Classic MasterCard® Offer
CitiBank Logo CitiBank 
 
Issuer
HSBC  HSBC Logo
 
MasterCard  Brand MasterCard 
$0  Annual Fee $0 to $79 
Introductory
Rate
Up to 12 Mo.  Length of
Intro Period
6 Mo. 
As low as
9.99 
Go To Rate
(After Intro)
7.90 -
15.99 
Yes  Balance Transfer
Available
No 
Very Good  Credit Level
Required
Fair 
Earn up to 6% Cash Back on purchases; a full 1% cash back on every purchase PLUS an average 5% additional cash back at 400 leading retailers within the Citi Bonus Cash Center.  Bullet Points:
1
Reporting to major credit bureaus providing opportunity to rebuild credit 
Earn a 20% bonus on the cash back earned on all purchases for the first 12 months  2 Discounts available from MasterCard at many of your favorite merchants 
Checks will be sent automatically every time you earn $50 - no calling necessary  3 Your account information is updated and at your fingertips 24/7 so you can manage it your way 
0% APR* on balance transfers for up to 12 months  4 Periodic credit limit increase reviews to strengthen your buying power 
No Annual Fee  5 E-alerts to your email or cell phone to remind you when a payment is due 
     



 


     


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