This offer is not available in Wisconsin

Card
Network

Visa
Bank

Merrick Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Secured
Credit
Recommended

See website for Details*

This offer is not available in Wisconsin

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

This offer is not available in Wisconsin

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. As you pay your bill every month, we report to all three major credit-reporting agencies.
  • Get 100% U.S.-based customer service & 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 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

17.45% Variable
Penalty
APR

N/A
Minimum Grace
Period

See terms
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

See terms

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

22.45% Variable
Cash Advance
Fee

4% Min: $10
Penalty
APR

N/A
Minimum Grace
Period

See terms

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
Have Questions?
ASK OUR EXPERT!
ASK YOUR QUESTION

SEE OTHER RECOMMENDED OFFERS

No Credit Check
Horizon Gold Application
CONSUMER DISCUSSION