Advertiser Disclosure 1

Merrick Bank Secured Credit Card
Directly with Merrick Bank


Merrick Bank Secured Credit Card

  • 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 Needed:
Fair, Average, PoorCreditWeb considers the following based on credit types:

A credit score between 601 and 699 is considered fair credit. A credit score below 600 is considered poor credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee Balance Transfers APR Purchase Intro APR Regular APR
$36 for first year. Billed $3 per month thereafter N/A N/A 22.70% Variable
Our Opinion
When it comes to managing your finances, having a reliable and trustworthy credit card company is crucial. With so many options available, it can be overwhelming to choose the right one for your needs. That's where Merrick Bank comes in. With their exceptional credit card services and account management, they have become a top choice for individuals looking to unlock financial success.

Credit Card Options
Merrick Bank offers a variety of credit card options to fit your specific needs. Whether you're looking to build credit, earn rewards, or have a low interest rate, they have a card for you. Their secured credit card is a great option for those looking to establish or rebuild their credit. With responsible use, this card can help improve your credit score over time. For those looking to earn rewards, the Merrick Bank Platinum Visa card offers cash back on every purchase. And for those who want a low interest rate, the Merrick Bank Double Your Line Visa card offers a unique program where you can double your credit line after making your first seven monthly payments on time.

Account Management
Managing your credit card account has never been easier with Merrick Bank. Their online account management system allows you to easily view your balance, make payments, and track your spending. You can also set up automatic payments to ensure you never miss a due date. And with their mobile app, you can manage your account on-the-go, making it convenient and hassle-free.

Credit Education
Merrick Bank understands the importance of financial education and offers resources to help their customers make informed decisions. Their website offers articles and tips on credit management, budgeting, and more. They also have a credit score simulator that allows you to see how different financial decisions may impact your credit score. Additionally, they offer a free credit score with their credit card services, so you can stay on top of your credit health.
One of the things that sets Merrick Bank apart from other credit card companies is their exceptional customer service. Their representatives are available 24/7 to assist with any questions or concerns you may have. They also offer a secure messaging system through their online account management, making it easy to communicate with them at any time.

Merrick Bank takes the security of their customers' information seriously. They use advanced encryption technology to protect your personal and financial information. They also offer fraud protection and monitoring services to ensure your account is safe and secure.

With their variety of credit card options, convenient account management, commitment to financial education, exceptional customer service, and top-notch security, it's no wonder that Merrick Bank has become a top choice for individuals looking to unlock financial success. Whether you're looking to build credit, earn rewards, or have a low interest rate, Merrick Bank has you covered. Take the first step towards financial success and choose Merrick Bank as your credit card company today.

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* See the online Merrick Bank credit card application for details regarding terms and conditions for offers. When you click on the "Apply Now" button, CreditWeb will connect you to the offer, then the page will be redirected in a few seconds.

1 Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditWeb receives compensation. This compensation may impact how and where products appear on this site, including the order in which they appear. We do not include all credit card companies or all card offers available in the marketplace. Please see the credit card application for details about the offer as well as the terms and conditions.

Editorial Note: Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by Merrick Bank.

2 FICO scores/credit scores are used to represent the credit-worthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any credit card product.
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