- $750.00 Unsecured credit line
- Guaranteed Approval
- 0% Interest
- No Credit Check
- No Employment Check
- Reports to Major Credit Bureau
3.5 / 5.0 (49 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
APR Type:
Annual Fee:
See Terms*
Card Network:
Card Category:
Consumer (Shopping)
Card Type:
Building Credit
Card for Bad Credit
Guaranteed Approval
Instant Credit
No Credit Check
Credit Needed:
Bad Credit OK*
Grace Period:
Min Credit Line:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Other Fees

Opening Minimum:
Application Fee:
Additional Fees
Account activation fee: $0
Monthly membership fee: $14.77


* The Merit Platinum Merchandise Card credit line can be used exclusively on selected outlets.

Review by

The Merit Platinum Card is an online shopping card that can be used to purchase any products or services being offered through the Merit portal. The great thing about this shopping card in comparison to others is that it offers guaranteed acceptance.

This is not a bank card which is why there is no link to your employment status or your credit history. Approval is guaranteed as long as you agree to be able to pay for the products that you decide to buy. The card provides you with a credit line of $750 for every member approved. There is a fixed rate of 0% APR being offered on all cards for a life time.


Most attractive:
- High unsecured line of credit
- Credit reporting
- Guaranteed approval
- No credit or employment verification
Least attractive:
- Limited use
- Monthly maintenance fee


Other Benefits:
*See Terms & Conditions of the card
Online Access:
100% Guarantee Approval:
Credit Reporting:

*The information provided for Merit Platinum Merchandise Credit Card is believed to be accurate at the time of evaluation (Mar 28, 2021). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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