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
Milestone® MasterCard® with Free Choice of Card Image
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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

Consumer Rating: 4 / 5
BEST for BAD CREDIT
Surge Mastercard®
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All credit types welcome to apply!

Monthly reporting to the three major credit bureaus.

Initial Credit Limit of $500.00!* (subject to available credit).

Consumer Rating: 4 / 5
Horizon Gold Credit Card
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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
First Access Visa
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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
Credit One Bank® Unsecured Visa® Credit Card
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Credit History APR % Annual Fee Application Processing Fee
Fair 16.99% - 24.99% Variable $0 - $99 See terms
  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date. You’ll also receive free online access to your credit score and credit report summary from Experian.
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically get 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date for added convenience, terms apply.
Consumer Rating: 4 / 5
Credit One Bank® Platinum Visa®
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Credit History APR % Annual Fee Application Processing Fee
Fair 16.99% - 24.99% Variable $0 - $99 See terms
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
Consumer Rating: 5 / 5
WebBank/Fingerhut Credit Account
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Credit History APR % Annual Fee Application Processing Fee
Bad See Terms $0 See Terms
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
Consumer Rating: 4 / 5
Fast5kLoans
Checking Account Required Employment Required Maximum Loan Amount Minimum Loan Amount
Yes No $5,000 $500
  • Personal Loans Online
  • All Credit Types Accepted
  • See Money In Your Account
Consumer Rating: 5 / 5
Get Your CARD MATCH
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  • 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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