Merrick Bank Secured Visa® from Merrick Bank

Initial deposits can be from $200 to $3,000

Intro Purchase APR

n/a

Annual Fee

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

Rewards Rate

n/a

Credit Needed

See website for Details*

Regular Purchase APR

17.45% Variable

Credit Brand Visa

Credit Card Details

  • 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. As you pay your bill every month, we report to all three major credit-reporting agencies.
  • Get 100% U.S.-based customer service & 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 Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

Additional Info

  • Intro (Purchases) : N/A
  • Intro (Transfers) : N/A
  • Credit Line : $200-$3,000, depending on deposit amount
  • Regular APR : 17.45% Variable
  • Cash Advance APR : 22.45% Variable
  • Annual Fee : $36 for first year. Billed $3 per month thereafter
  • Minimum Deposit : $200
  • Return Check Fee : Up to $40
  • Cash Advance Fee : 4% Min: $10
  • Late Payment Fee : Up to $40
  • Regular Transfer APR : N/A
  • Penalty APR : N/A
  • Balance Transfer Fee : N/A
  • Foreign Trans Fee : 2%
  • Credit Recommended : See website for Details*

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