Merrick Bank Credit Cards

We found 1 Merrick Bank credit cards. Read on to get more insights.

By Hanna Volkava
Updated May 01, 2026

Best Credit Cards in May 2026

Hide all
Show all
Apply now
Secured MastercardĀ® Merrick Bank
Annual fee:
$36 for first year. Billed $3 per month thereafter
Regular APR:
22.70% Variable
Our Rating:
3.2
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      Merrick Bank
    • Details:

      The Merrick Bank Secured MastercardĀ® credit card is a card designed for building or rebuilding credit. The cardholder’s initial credit line will be equal to the amount of their security deposit, which can be between $200 and $3,000.

      The Annual Fee is $36 the first year. Billed $3 dollars per month thereafter.

      The Card's APR is 22.70% Variable for purchases.

      The Secured MastercardĀ® credit card reports to all three major credit bureaus.

      Read full review

    • Pros:
      • Up to $3000 credit limit
      • Reports to three major credit bureaus
      • You don’t need a bank account to apply
      • Access to FICO score
      • Low APR
    • Cons:
      • No rewards or intro offers
      • $200 minimum deposit
      • Extra fees
      • $36 annual fee
    • Benefits:
      • Monthly Reporting to the 3 Major Credit Bureaus;
      • $0 Fraud Liability;
      • Low interest;
      • FICOĀ® Score for Free Each Month.
    View all Secured MastercardĀ® details
    Apply now
    On Merrick Bankā€˜s site
    Card detail

    How to Choose the Right Merrick Bank Credit Card?

    Sometimes, choosing the best credit card from a specific credit card issuer is quite hard. Considering Merrick Bank, the three following steps can make your decision process easier.

    First of all, you should check your credit score. It can vary from "Poorā€ to ā€œExcellentā€, and the higher your credit score is, the better Merrick Bank options of credit cards are available to you.

    Then, you should decide on why you want a Merrick Bank credit card and determine key aspects your potential credit card must have. If you search for a credit card to increase your credit score, look for those with large grace period and no annual fee. If you want to not spend money on interest, Merrick Bank credit cards with the lowest interest and introductory rates are your option. If you need a credit card that will provide you cash, points, or miles rewards, pay attention to the rewards program the Merrick Bank offers.

    As a third step, you should compare the Merrick Bank credit cards you find the best for you, but taking into consideration all the aspects. Overall, the best credit card fits the following characteristics: low interest rate, long grace period, low fees, extended credit limit, the finance charge calculations include one billing cycle only, and big rewards and sign-up bonuses. You can easily compare Merrick Bank credit cards in the table below.

    Side-by-Side Comparison of Merrick Bank Credit Cards

    Card Name APR Annual fee Rewards Intro offer
    Secured Mastercard®22.70% Variable$36
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Double Your LineĀ® MastercardĀ®23.70% - 29.95% *Variable$0 - $72
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Double Your LineĀ® Secured MastercardĀ®22.70% Variable$36
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Conclusion

    Today, Merrick Bank issues a wide range of credit cards with various features, yet it’s better to find the one that designed for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us