What I like: No fee credit limit increases, free mobile app, quick and easy online payments.
I applied for a Merrick Bank Visa card in October of 2006. After much credit neglect during my college years, my credit history was horrible with a score around 550. When I applied for this card, I understood that I would be paying an annual fee of $72 devided at $6 a month. Given my need to rebuild my credit, it was worth that commitment.
I have been using the card ever since and have managed the account well. I have never had a problem with this company or their customer service. What I like best about this card is the company automatically increases my credit limit on a regular basis without asking me to pay a one time fee or other gimicks. When I received my card in 2006, my initial credit limit was $600. Today my limit is $4,500.
If you're ready to be responsible, this is a company that you can build trust with. As always, read the terms first. If you have a 750 credit score, this is not the card for you. If you're looking to build or rebuild your credit and understand that you're going to have a high APR and pay month fees, this is the best option available.
(FYI: At the same time I applied for Merrick, I also received cards from Applied Banc Card and First Premier. Both of those accounts have since been closed due to the outragious fees and unwillingness to increase my credit limit even after seven years with out missing a payment.)