Merrick Bank Credit Cards

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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.

Credit Target	Type	Annual Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards	Reviews
Fair Credit, Average Credit, Poor Credit	Secured	$36 for first year. Billed $3 per month thereafter	N/A	N/A	22.20% Variable	None	Be the first to write one

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See if you are Pre-Approved with no impact to your credit score
3% cash back at gas and EV charging stations, grocery stores and drugstores
1% cash back on all other purchases
No expiration dates and no limit to how much you can earn
No annual fee
Automatic review for credit line increase in as little as 6 months
No surprise fees: No over-the-limit, no returned payment and no foreign transaction fees. Plus, no rate hike for making a late payment
Zero Fraud Liability
See Rates & Fees

Credit Target	Type	Annual Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards	Reviews
Good Credit, Above Average Credit	Consumer	$0	See website for Details*	N/A	23.99%-29.99% (Variable)	Cash Back	Be the first to write one

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