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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 Secured Credit Card

Credit Card Details

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Merrick Bank Secured Credit Card

Get your FICO® Credit Score for free each month.

  • Card Brand

    MasterCard

  • Credit Recommended

    See website for Details*

  • Regular Purchase APR

    22.45% Variable

  • Annual Fee

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

  • Monthly Fee

    N/A

  • Rewards

    n/a

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.

Additional Info

  • Regular APR: 22.45% Variable
  • Annual Fee: $36 for first year. Billed $3 per month thereafter
  • Credit Line: $200-$3,000, depending on deposit amount
  • Cash Advance APR: 27.45% Variable
  • Cash Advance Fee: 4% Min: $10
  • Late Payment Fee: Up to $40
  • Return Payment Fee: Up to $40
  • Foreign Trans Fee: 2%
  • Minimum Deposit: $200
  • Regular Transfer APR: N/A
  • Penalty APR: N/A
  • Balance Transfer Fee: N/A
  • Credit Recommended: See website for Details*
  • Intro (Purchases): N/A
  • Intro (Transfers): N/A

Specifications

Rewards n/a
Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 22.45% Variable
Annual Fee $36 for first year. Billed $3 per month thereafter
Monthly Fee N/A
Credit Recommended See website for Details*
Cash Advance APR 27.45% Variable
Cash Advance Fee 4% Min: $10
Cash Grace Period n/a
Late Payment Fee Up to $40
Return Check Fee Up to $40
Foreign Trans Fee Up to $40
Balance Transfer Fee n/a

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