CREDIT CARD
Mastercard

Merrick Bank Classic Secured Mastercard

4.25 - 5
💵
Annual Fee
36,00
💰
Minimum Income
Not specified
💳
Issuing Bank
Merrick Bank
🎖
Score
· Low
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Searching for the perfect credit card can feel like finding a needle in a haystack, but the Merrick Bank Classic Secured Mastercard makes it easier by offering tools to guide your financial journey. With unique benefits and a focus on inclusivity, this card empowers you to take control of your financial future.

Unmatched Benefits That Make the Merrick Bank Secured Mastercard Shine

Designed with your financial goals in mind, the Merrick Bank Classic Secured Mastercard stands out with a blend of flexibility and straightforward benefits that empower you to take control of your credit. Unlike traditional options, this secured card focuses on transparency and adaptability.

One of the most attractive features is the customizable credit limit. By providing a refundable security deposit ranging from $200 to $3,000, you can set a limit that works for your financial situation. This flexibility allows you to build your credit without overextending yourself.

Another key benefit is the free monthly access to your FICO® score. This tool helps you monitor your progress, make informed financial decisions, and stay on track toward improving your credit profile. Combined with robust security features, such as zero liability for unauthorized charges, the card ensures peace of mind.

The card also simplifies financial management through its user-friendly digital tools. From mobile and online account access to customizable alerts for due dates and spending activity, everything is designed to help you stay organized and avoid surprises. It’s a modern solution for those who value convenience and control.

Get to Know Merrick Bank: A Trusted Partner in Financial Growth

Founded in 1997, Merrick Bank has carved out a reputation as a leader in providing accessible financial products. Headquartered in Draper, Utah, the bank serves millions of Americans by offering credit solutions that meet a variety of needs.

What sets Merrick Bank apart is its dedication to second chances. Specializing in products for individuals who may struggle to qualify for traditional credit options, the bank’s mission is rooted in inclusivity and empowerment. It’s not just about offering financial tools but about providing opportunities to rebuild and grow. For many, Merrick Bank has become synonymous with financial recovery and resilience.

Fun fact: Merrick Bank doesn’t just stop at credit products. They’re also a leading provider of recreational loans, helping customers finance boats, RVs, and more, further showcasing their commitment to supporting diverse lifestyles and goals.

Who Should Consider the Merrick Bank Classic Secured Mastercard?

The Merrick Bank Classic Secured Mastercard is an excellent choice for anyone looking to establish or rebuild their credit. If you’re new to credit—perhaps a young adult, recent graduate, or someone new to the U.S. financial system—this card offers a reliable way to start building a positive credit history. By reporting your payment activity to major credit bureaus, it lays the foundation for a strong financial profile.

It’s also an ideal option for individuals recovering from financial challenges. If past missteps have affected your creditworthiness, this card provides a chance to demonstrate responsibility and regain trust with lenders. With manageable fees and no hidden surprises, it’s designed to help you get back on track.

For those who prioritize financial control, the Merrick Bank Classic Secured Mastercard offers a transparent and straightforward experience. The ability to set your own credit limit based on your deposit ensures you can tailor it to your budget, making it easier to manage your spending and avoid overextension.

Ready to Take the First Step?

Think of the Merrick Bank Classic Secured Mastercard as more than just a card, it’s your financial partner, offering a fresh start and the tools you need to succeed. Whether you’re building credit for the first time or starting over, this card is designed to help you pave the way to a brighter financial future.

Click the button below to learn more and take charge of your credit journey today!

Fees and Charges

OTHER FEES

- 22.70% for purchases
- 27.70% for cash advances

SOURCE

Merrick Bank official website

Expert Analysis

The Merrick Bank Classic Secured Mastercard is a reliable option for building credit, offering flexibility, free FICO® score monitoring, and strong security features.

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You will remain on this site

+Positive Points

- Free FICO score access
- Customizable credit limit
- Zero liability protection
- Transparent terms

- Negative Points

- No rewards program
- High APR rates
- Requires a security deposit
- 2% foreign transaction fee

Expert Review

Fees
4,00
Benefits
4,50
Final Rating
4,25

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Merrick Bank Classic Secured Mastercard
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Surge Mastercard
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Annual Fee
Annual Fee
36,00
Annual Fee
$39
Annual Fee
$75–$99 (Varies)
Minimum Income
Minimum Income
Not specified
Minimum Income
None.
Minimum Income
Not specified
Card Network
Card Network
Mastercard
Card Network
Mastercard
Card Network
Mastercard
Score
Required Credit Score
Low
Required Credit Score
Fair (medium)
Required Credit Score
Low
Learn More About the Card Learn More About the Card
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