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25

Unsecured

Merrick Bank

Top-25 issuerNationalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
29.95–34.70%
Annual fee
$48
0% intro
None
0% transfer
None
Foreign fee
2%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
34.45%
620–719
34.45%
720+
34.70%
Lowest offered29.95%
Median34.45%
Highest offered34.70%

Cash advance APR

No score
—
≤619
35%
620–719
35%
720+
35%
Lowest offered34.95%
Median—
Highest offered35%

Every fee on this card

Annual fee$48
Periodic fee range$0 – $72
Balance transfer feeNone
Cash advance fee4% (min $10)
Foreign transaction fee2%
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance charge$1
Balance computationAverage daily balance including new purchases
Additional fees
Return Payment Fee$29
Additional Card Fee$12
Rush card fee$29

Rewards, benefits and features

Rewards

None reported

Services
  • Access to Free Credit Scores
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone800-253-2322
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 34.45%$1,033.50
Annual / periodic fees$48
Total yearly cost$1,081.50

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

3 documents filed by Merrick Bank in the 2026 Q1 archive.

More from this issuer