Purchase APR
24.49–28.99%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $862.20
← All issuers
Merrick Bank
3 cardholder agreements · 2.2 MB · 8 surveyed cards
Priced card products
Purchase APR
24.49–28.99%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $862.20
Purchase APR
29.49–29.74%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
Top-25 issuer≤619620–719Cashback
Carrying $3k for a year ≈ $884.70
Purchase APR
22.49–29.99%
Annual fee
None
Foreign fee
None
0% purchases · 9 mo0% transfers · 9 mo
Top-25 issuerNo score≤619
Carrying $3k for a year ≈ $884.70
Purchase APR
24.49–29.99%
Annual fee
$39
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $931.20 incl. $39 fee
Purchase APR
21.95–22.70%
Annual fee
$36
Foreign fee
2%
SecuredTop-25 issuerNo score620–719
Carrying $3k for a year ≈ $709.50 incl. $36 fee
Purchase APR
29.95–34.70%
Annual fee
$48
Foreign fee
2%
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $1,066.50 incl. $48 fee
Purchase APR
29.95–34.70%
Annual fee
$48
Foreign fee
2%
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $1,081.50 incl. $48 fee
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.