Merrick Bank Secured Credit Card

Credit Card Details
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Get your FICO® Credit Score for free each month

Card Brand MasterCard®

Credit Recommended See website for Details*

Regular Purchase APR 22.70% Variable

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

Intro Purchase APR N/A

Intro Balance Transfer APR N/A


  • 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: 22.70% Variable
  • Annual Fee: $36 for first year. Billed $3 per month thereafter
  • Credit Line: $200-$3,000, depending on deposit amount
  • Cash Advance APR: 27.70% 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


Regular APR 22.70% Variable
Annual Fee $36 for first year. Billed $3 per month thereafter
Intro (Purchases) N/A
Intro (Transfers) N/A
Credit Recommended See website for Details*
Cash Advance APR 27.70% Variable
Cash Advance Fee 4% Min: $10
Cash Grace Period N/A
Late Payment Fee Up to $40
Overlimit Fee N/A
Return Check Fee Up to $40
Foreign Transaction Fee 2%
Balance Transfer Fee N/A
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