- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. As you pay your bill every month, we report to all three major credit-reporting agencies.
- Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
4.5 / 5.0 (26 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
APR Type:
Annual Fee:
Card Network:
Card Category:
Consumer (Secured)
Card Type:
Card for Bad Credit
Guaranteed Approval
Instant Decision
Credit Needed:
Bad Credit OK*
Grace Period:
25 days*
Min Finance Charge:
Min Credit Line:
Max Credit Line:
Late Payment Fee:
Up to $40*

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):
Cash Advance Fee (%):
Minimum Fee:

Other Fees

Additional Fees
Return Check Fee: Up to $40
Foreign Trans Fee: 2%
Account Set-up Fee: $0
Over Limit: $0


Most attractive:
- Credit Reporting
- Free Account set up
- Annual Credit Line increase
- Visa card benefits
Least attractive:
- Annual fee
- Slightly high APR
- No rewards or intro bonuses


Other Benefits:
* See terms and Conditions
Online Access:
100% Guarantee Approval:
Credit Reporting:

*The information provided for Merrick Bank Secured Visa® from Merrick Bank is believed to be accurate at the time of evaluation (Mar 29, 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.