Merrick Bank

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Merrick Bank is a top-20 issuer of Visa® cards and an authorized issuer of Mastercard® cards. The bank specializes in credit products that allow consumers to establish or rebuild their credit rating. They offer two types of credit cards for this purpose, unsecured credit cards and secured credit cards. All credit cards are reported to the three major credit bureaus. Additionally, bank has a Financial Educational Center where consumers can learn more about credit, banking and other related offers.

BEST ALTERNATIVES TO MERRICK BANK CREDIT CARDS
BEST for FAIR CREDIT
Capital One® Platinum Credit Card
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Applying is quick and easy with our fast decision process

Less than perfect credit is okay

 
Consumer Rating: 5 / 5
BEST for FAIR CREDIT
Fingerhut Credit Account
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No Annual Fee. No Over Limit Fee*.

Instant Response (Delays may occur depending on application data provided).

 
Consumer Rating: 4 / 5
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Credit History APR % Annual Fee Application Processing Fee
Fair / Good 23.9% $35 - $99* See Terms
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
 
Consumer Rating: 4 / 5
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Credit History APR % Annual Fee Application Processing Fee
Fair/Bad See Terms* See Terms* See Terms*
  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won´t
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by Mid America Bank & Trust Company, Member: FDIC
 
Consumer Rating: 4 / 5
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Credit History APR % Annual Fee Application Processing Fee
Average, Fair, Limited 24.99% (Variable) $39 See terms
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
 
Consumer Rating: 5 / 5
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Credit History APR % Annual Fee Application Processing Fee
Bad 0.00% See Terms See Terms
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
 
Consumer Rating: 4 / 5
Checking Account Required Employment Required Maximum Loan Amount Minimum Loan Amount
Yes No $10,000 $100
  • Repay over 24 months
  • Get Your Funds Fast
  • Competitive APR
  • Safe & Secure
 
Consumer Rating: 5 / 5
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Credit History APR % Annual Fee Application Processing Fee
Fair/Bad See Terms* See Terms* N/A
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that MasterCard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
 
Consumer Rating: 4 / 5
Get Your CARD MATCH
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  • It takes less than 1 minute
  • Will Not Affect Your Credit Score
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This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

Merrick Bank Credit Cards

Merrick Bank issues credit cards that are FDIC insured. The bank is oriented on sub-prime consumers and does everything to help them manage their finances. One of the ways they help their consumers is credit cards. The bank offers classic Visa and Mastercard credit card products and secured Visa cards. The cards are good for people with bad credit and for those who want to build their credit.

Classic Visa and Mastercard credit cards are not freely available for online application. You cannot go online and apply for a card. You should first of all receive an invitation to apply from Merrick Bank. The invitations are usually sent via mail and contain an acceptance certificate number which you should provide before you proceed with your application. This acceptance certificate does not guarantee your approval though.

The Merrick Bank Secured Visa credit card is on the contrary, available for online application without invitations. As all secured cards, this card requires a security deposit and the minimum deposit is $200. The maximum deposit that is allowed for this card is $3,000. So, if you want to build or rebuild your credit, the Merrick Bank Secured card can become a good option for you as it is reported to all three major credit bureaus.
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BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.