HSBC
The orchard card is made for people with credit troubles, while each have their 'lower' status cards the orchard card may be best if you face credit trouble.
HSBC regular cards have standard cards with moderate rates, however, HSBC is far the strictest I have seen in credit limit increases (not including those who don't do cl by request)
Wallet: Discover IT, Discover Gas, Citi Professional (6.74% apr), Chase Freedom, Cap1 Quciksilver, Élan Financial Rewards, BOA Amex, Walmart, CareCredit, Paypal Smart Connect, Kohls, HSBC Cash or Fly, Chase Sapphire Preferred, Amex Zync, Amex Blue Cash Preferred, USAA Plat Rewards, Chase Ink, NFCU Plat