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

Choose your own credit line based on how much money you want to put down as a security deposit.

CARD DETAILS

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • 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
  • Сredit line increases with no additional security deposit required.
  • Build your credit.
  • Zero fraud liability.
- Cons
  • Initial 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 for first year. Billed $3 per month thereafter
Foreign Transaction
Fee

2%
Late Payment
Fee

Up to $40
Card Overall Rating
APPLY
Have Questions?
ASK OUR EXPERT!
ASK YOUR QUESTION
CONSUMER DISCUSSION
NEED CREDIT OFFERS THAT SUIT YOUR STATE?
Choose your credit history and state and we will show you some great options
NEXT>
HERE ARE THE BEST DEALS FOR YOU
< BACK
SORRY!

Nothing was found, please check Best Credit Cards of 2022 to see more options for you!