The Merrick Bank offers are not available in Wisconsin. See offers for your state

Card
Network

Mastercard®
Bank

Merrick Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Secured
Credit
Recommended

See website for Details

The Merrick Bank offers are not available in Wisconsin. See offers for your state

Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

The Merrick Bank offers are not available in Wisconsin. See offers for your state

MAIN CARD FEATURE

Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.

CARD DETAILS

  • Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
  • Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
+ Pros
  • Credit line increase without additional deposit.
  • Great for building or rebuilding credit.
  • Reports to all three major credit-reporting agencies.
- Cons
  • Security deposit is required.

PURCHASES

Intro
APR

N/A
Ongoing
APR

21.20% Variable
Penalty
APR

N/A
Minimum Grace
Period

N/A
Minimum Interest
Charge

See terms

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

N/A
Balance Transfer
Fee

N/A
Penalty
APR

N/A
Minimum Grace
Period

N/A

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

26.20% Variable
Cash Advance
Fee

4% Min: $10
Penalty
APR

N/A
Minimum Grace
Period

N/A

GENERAL FEES

Application Processing
Fee

See terms
Annual
Fee

$36 the first year. Billed $3 per month thereafter
Foreign Transaction
Fee

2%
Late Payment
Fee

Up to $40
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