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
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Credit One Bank® Platinum Visa® with Cash Back Rewards
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Total Visa Card
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Credit History APR % Annual Fee Application Processing Fee
Bad/Fair See Terms* See Terms* See Terms*
  • Checking Account Required
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  • A genuine VISA card accepted by merchants nationwide across the USA and online
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  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
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Consumer Rating: 4 / 5
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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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