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American Express® Preferred Rewards Gold Card
and
Orchard Bank Classic MasterCard®
Side-by-Side Comparison

Here is the detailed comparison.
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American Express® Preferred Rewards Gold Card and Orchard Bank Classic MasterCard®

American Express® Preferred Rewards Gold Card Offer American Express® Preferred Rewards Gold Card  Official
Card
Name
Orchard Bank Classic MasterCard®  Orchard Bank Classic MasterCard® Offer
American Express Logo American Express 
 
Issuer
HSBC  HSBC Logo
 
American Express  Brand MasterCard 
$125
1st Free 
Annual Fee $0 to $79 
n/a  Introductory
Rate
n/a  Length of
Intro Period
6 Mo. 
n/a  Go To Rate
(After Intro)
7.90 -
15.99 
No  Balance Transfer
Available
No 
Very Good  Credit Level
Required
Fair 
Earn 10,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $100 gift card  Bullet Points:
1
Reporting to major credit bureaus providing opportunity to rebuild credit 
Entry into the Membership Rewards® program  2 Discounts available from MasterCard at many of your favorite merchants 
Exclusive access to tickets for select concerts, shows, major sporting events  3 Your account information is updated and at your fingertips 24/7 so you can manage it your way 
No pre-set spending limit  4 Periodic credit limit increase reviews to strengthen your buying power 
Unparalleled Customer Service and Gold Member Benefits  5 E-alerts to your email or cell phone to remind you when a payment is due 
     



 


     


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