Merrick Bank Credit Card Offers
If you have a question about an existing Merrick Bank credit card account, the Merrick Bank customer service phone number is (800) 204-5936. Below, you can compare the latest offers as well as read Merrick Bank credit card reviews.
Merrick Bank Credit Cards with Great Reviews for 2023
To learn more, check out WalletHub’s full Merrick Bank credit card review.

Secured Card
Min Deposit of $200
One-Time Fees
$0
22.45% (V)
annual fee
$36 1st yr, $0 after
monthly fee
$0 1st yr, $3 after
Bad Credit
Pros
- Qualify with bad credit
Cons
- Membership fees
- High regular APR
- Foreign fee
- Requires security deposit
Additional Info
- Upon approval, you'll have a credit line from $200 to $3,000 - it's up to you.
- Your performance is reported to the three major credit bureaus. You can reestablish and build your credit with your performance.
- Online management tools. You can manage your account online for free.
- Your security deposit funds are FDIC Insured.
- Based on an initial credit limit of $200, the initial available credit will be about $164 (based on a $36 annual fee) or about $152 dollars if you also choose to have an additional card.
- More Details & Reviews About Merrick Bank Classic Secured Credit Card

Secured Card
Min Deposit of $200
One-Time Fees
$0
22.45% (V)
annual fee
$36 1st yr, $0 after
monthly fee
$0 1st yr, $3 after
Bad Credit
Pros
- Qualify with bad credit
Cons
- Membership fees
- High regular APR
- Foreign fee
- Requires security deposit
Additional Info
- Your $200 credit line will be increased by $200 if you make at least your minimum payment by the payment due date each month for the first 7 months your account is open.
- Your performance is reported to the three major credit bureaus. You can reestablish and build your credit with your performance.
- Online management tools. You can manage your account online for free.
- Your security deposit funds are FDIC Insured.
- Based on an initial credit limit of $200, the initial available credit will be about $164 (based on a $36 annual fee) or about $152 dollars if you also choose to have an additional card.
- More Details & Reviews About Merrick Bank Double Your Line® Secured Credit Card

One-Time Fees
$0 - $75
24.45% - 30.45% (V)
annual fee
$0 - $72 1st yr, $0 after
monthly fee
$0 1st yr, $0 - $6 after
Bad Credit
Pros
- Qualify with limited or no credit history
- Does not require security deposit
Cons
- Membership fees
- High regular APR
- Foreign fee
Additional Info
- Double Your Line™ - During the first 7 months your account is open, all you need to do is use your card and make at least your minimum payment on time every month. After that, your double credit line increase is automatic.
- Activity on your account is reported to all three major credit bureaus. Consistent reports of a positive payment history can help improve your credit rating.
- Exclusive Platinum Visa Benefits.
- More Details & Reviews About Merrick Bank Credit Card
Featured Credit Cards
Ad DisclosureMerrick Bank Credit Card Reviews
What's Your Rating?
THEY COVER FEE ANUAL $48
IF THEY DELETE IT THEN THEY CHARGE OTHER FEE ANUAL BY $38
I CALL TO CANCEL THIS CARD ABOUT IT AND THEY TALKED ME THEY WILL NOT CHARGE IT IN MY BILL FOR THE FIRST YEAR BUT IT WAS LIE, THEY CHARGE IT IN MY FISRT PURCHASE 4 MONTH AFTER THAT I STARTED WITH THIS CREDIT CARD.
Merrick Bank Credit Cards FAQ
Get answers to your questions about Merrick Bank Credit Cards Reviews below. For more general questions, visit our Answers section.
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What is the highest credit limit for Merrick Bank?
The highest credit limit for Merrick Bank is $3,000, for the Merrick Bank Secured Card. The actual credit limit for this card is determined by the amount a cardholder puts down for the card's required security deposit, which starts at $200.
Merrick Bank does not disclose its highest credit limit for the unsecured Merrick Bank Credit Card. The card does set an initial credit limit ranging from $300 to $1,350 upon approval, though. The information on your application will determine where within the range your exact credit limit will be.
Fortunately, the initial credit limit you receive with the Merrick Bank Credit Card may only be for the short-term, thanks to the card's “Double Your Line” feature. After you use the Merrick Bank Credit Card and pay at least the minimum amount due on time for the first seven months you have the card, you'll be eligible for the double credit line increase.
Is Merrick Bank a legitimate credit card company?
Yes, Merrick Bank is a legitimate credit card company. It issues both Visa and Mastercard credit cards, and it has nearly three million customers. This company is specialized in helping customers build or rebuild their credit.
Here's why Merrick Bank is legit:
- Merrick Bank is an authorized company, founded in 1997.
- Merrick Bank has been accredited by the Better Business Bureau (BBB) since 2012. It also has an "A" rating from BBB.
- Nearly 3 million people have a Merrick Bank credit card.
- All Merrick Bank credit cards benefit from zero liability protection, so you won't be held responsible for unauthorized charges made with your card or account information.
As you can see, Merrick Bank is a legit company. However, whether a Merrick Bank credit card is the best option for you depends on your unique financial needs. The Merrick Bank Classic Secured Credit Card, for example, is a good way to start building or rebuilding your credit, as it is open to applicants with bad credit.
Here are some of the best Merrick Bank credit cards:
You can also check out other secured credit card offers, as well as find some additional tips on how to improve your credit. You can also monitor your credit score for free, right here on WalletHub.
How do I get a Merrick Bank credit card limit increase?
You can get a Merrick Bank credit card limit increase by using your card and paying the bill on time for the first seven months you have one of Merrick Bank's unsecured credit cards. Your credit limit will automatically be doubled.
After that, Merrick Bank will review your account each year to decide if it's fit for an increase. You can improve your chances of qualifying for one by always paying your bills in full by their due date. A higher income and credit score than when you were approved for the card couldn't hurt either.
Alternatively, if you have a Merrick Bank secured card, you can increase your credit limit by calling (800) 204-5936 and adding to your security deposit.
How long does it take to get approved for a Merrick Bank credit card?
It usually takes anywhere from two business days to two weeks to get approved for a Merrick Bank credit card. If you're approved, your new credit card should reach you in about 7-10 business.
Keep in mind that you can check your Merrick bank application status either online or over the phone at (800) 253-2322.
Is Merrick Bank for bad credit?
Yes, Merrick Bank is for bad credit. Applicants with credit scores below 640 who are looking to rebuild their bad credit can get approved for all three Merrick Bank credit cards: the Merrick Bank Classic Secured Credit Card, the “Double Your Line" secured card, and the Merrick Bank Credit Card.
All of Merrick Bank's credit cards also report account activity to the three major credit bureaus, which is a key feature if you're trying to rebuild credit.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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