The Secured Visa® from Merrick Bank

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  • Get your FICO® Score every month at no charge.
  • Build your credit – Performance is reported to all three major credit bureaus, unlike a prepaid card.
  • No processing or application fees.
  • You determine your credit line – up to $3,000.
  • Easy funding options – We have several convenient options to easily submit your security deposits.
  • Worldwide acceptance – Use it anywhere Visa is accepted.
  • Easy application – Click "Apply Now" to apply online today!
Annual Fee:
$36 the first year. Billed $3 per month thereafter
Purchase Intro APR:
N/A
Purchase Regular APR:
17.70%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
N/A

Details, Rates & Fees

Click here for Additional Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 22.70%
Cash Advance Fee 4%, Min: $10
Late Fee Up to $37
Penalty APR See Terms*
Balance Transfer Fee N/A
Foreign Transaction Fee 2%
Return Payment Fee Up to $37

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
hayseed66
Good
by hayseed66
Helpful to 13 out of 16

This is a good credit card with fast service and great customer service representatives.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Review
hayseed66
Good
by hayseed66
Helpful to 13 out of 16

This is a good credit card with fast service and great customer service representatives.


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† We look at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there’s no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from October 2015 through March 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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