Apply Now on Merrick Bank's website
Recommended FICO® Score1 Rating
Poor - Exceptional


Annual Fee


Intro APR


Ongoing APR

18.95% (Variable)

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Balance Transfer


Card Details
  • Unsecured credit line increases - after the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
  • Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.
  • Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.
  • Flexible credit line - the amount of your deposit determines your initial credit line - up to $3,000 and increase your credit line anytime with additional deposits.
  • Easy funding options - several convenient options to easily fund your security deposit.
  • Worldwide acceptance - use it anywhere Visa is accepted.
Apply Now

on Merrick Bank's website

  • Poor or limited credit history accepted
  • Low minimum deposit
  • Annual fee added to balance