A credit-building card whose limit can double after on-time payments.
Rates, fees and offers
- Regular APR
- Variable APR up to about 35% reported; see Merrick Bank's terms.
- Annual fee
- $72
- Promo offers
- Annual fee from $0 to $72 depending on your offer (billed up to $6 a month after the first year).
- Balance transfer fee
- See issuer terms
- Rewards
- No rewards. Credit line can double after on-time payments.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Fees vary by offer and the APR can approach 35%. One of the most expensive ways to build credit. A no-fee secured card (Capital One, Discover, Citi, Bank of America) usually costs far less, even counting the refundable deposit.
Paying and contacting Merrick Bank
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all Merrick Bank cards → · Search all cards
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