Advertiser Disclosure  |  About Our Ratings
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About Our Ratings

Please note: we are not a lender and do not issue credit or loans ourselves. Instead, we work in partnership with reputable credit card companies and lending institutions to connect you with potential offers. All terms—such as interest rates, fees, and approval criteria—are set solely by the lenders and are beyond our control. We do not make credit decisions, nor do we broker or process online loans or lines of credit. Our role is to share your information with our partners to help match you with available offers. However, submitting your information does not guarantee approval. The operator of this website is not a broker, agent, or representative of any lender or credit provider.

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Advertiser Disclosure

We maintain paid partnerships with certain credit card issuers and lending institutions, which means we may receive compensation when you apply for or are approved for financial products through links on our site. While these relationships may influence how products are ranked or featured, we are committed to providing accurate, honest, and helpful information to assist your financial decision-making. Please note that our listings may not cover every available product or offer from all financial institutions.

Merrick Bank

Since 1997, Merrick Bank has earned a strong reputation as a trusted provider of Visa® and Mastercard® credit cards in the U.S. With more than 3 million cardholders and over $5.3 billion in extended credit, it’s clear why so many consumers turn to Merrick for financial support. Popular options like the Platinum Visa® and Secured Visa® make it easier for individuals with varying credit backgrounds to access reliable credit. In addition to credit cards, Merrick Bank also offers personal loans, RV and boat financing, and certificates of deposit—making it a versatile choice for your financial needs.

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Get Free Credit Score

Merrick Bank Secured Credit Card

Get your FICO® Credit Score for free each month.

  • Card Brand

    MasterCard

  • Credit Recommended

    See website for Details*

  • Annual Fee

    $36 for first year. Billed $3 per month thereafter

  • Regular Purchase APR

    22.70% Variable

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • 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.
Card Details Page