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
Credit One Bank® Platinum Visa® with Cash Back Rewards
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Enjoy peace of mind with $0 Fraud Liability

See if you Pre-Qualify in less than 60 seconds

Receive 1% cash back on eligible purchases, terms apply

Consumer Rating: 5 / 5
BEST for BAD CREDIT
Horizon Gold
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Instant $500 Credit Line. No Credit Check.

No Employment Check.

Must have Active Debit Card or Credit Card to qualify.

Consumer Rating: 4 / 5
Surge Mastercard®
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Credit History APR % Annual Fee Application Processing Fee
Fair/Bad See Terms* See Terms* N/A
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required
Consumer Rating: 4 / 5
Credit One Bank® Unsecured Visa® for Rebuilding Credit
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Credit History APR % Annual Fee Application Processing Fee
Fair 17.49% - 25.49% Variable $0 - $99 See terms
  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your Experian credit score online for free, terms apply
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
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Consumer Rating: 4 / 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. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
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  • Get the Credit You Deserve.
  • We just love saying "YES!"
Consumer Rating: 4 / 5
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
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • 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!
  • No-Fee credit line increase opportunities!
Consumer Rating: 4 / 5
Milestone® Mastercard® with Free Choice of Card Image
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Credit History APR % Annual Fee Application Processing Fee
Fair / Good 23.9% $35 - $99* See Terms*
  • 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
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Consumer Rating: 4 / 5
Total Visa Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Credit History APR % Annual Fee Application Processing Fee
Bad/Fair See Terms* See Terms* See Terms*
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • 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!
  • No-Fee credit line increase opportunities!
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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