Merrick Bank Double Your Line® Secured Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 07/28/2025
Not Currently Available
Merrick Bank Double Your Line® Secured Credit Card
Claimed
from Merrick Bank
Last Updated: 07/28/2025
SuperMoney User Recommendation Score +55
Strongly recommended11 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
22.70%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 08/21/2023)
Credit Score Range
300 - 640
Annual Fee
$36
Number of Reviews
Merrick Bank Double Your Line® Secured Credit Card Review
Merrick Bank Double Your Line® Secured Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a secured credit card issued by Merrick Bank. If you're wondering whether Merrick Bank Double Your Line® Secured Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 22.70%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Merrick Bank Double Your Line Secured Credit Card
| The Good | The Bad |
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Merrick Bank Double Your Line Secured Credit Card FAQ
Does Merrick Bank Double Your Line Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Merrick Bank Double Your Line Secured Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Merrick Bank Double Your Line® Secured Credit Card has a variable purchase APR of 22.70%. Merrick Bank Double Your Line® Secured Credit Card does not offer balance transfers. It also has a variable cash advance APR of 27.70% .
Does Merrick Bank Double Your Line Secured Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Merrick Bank Double Your Line® Secured Credit Card does not offer balance transfers.Does Merrick Bank Double Your Line Secured Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Merrick Bank Double Your Line Secured Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $36 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $36.
Does Merrick Bank Double Your Line Secured Credit Card have a foreign transaction fee?
Merrick Bank Double Your Line Secured Credit Card charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Merrick Bank Double Your Line Secured Credit Card?
The customer service number for Merrick Bank Double Your Line Secured Credit Card is (800) 204-5936.
What is the support contact email for Merrick Bank Double Your Line Secured Credit Card?
The support contact email for Merrick Bank Double Your Line Secured Credit Card is reclending.customerservice@merrickbank.com.
How do people rate the customer service and user experience of Merrick Bank Double Your Line Secured Credit Card?
Overall, Merrick Bank Double Your Line Secured Credit Card is strongly recommended based on community reviews that rate customer service and user experience.
Does Merrick Bank Double Your Line® Secured Credit Card report your account activity to credit bureaus?
Yes, Merrick Bank Double Your Line® Secured Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Merrick Bank perform a hard credit pull?
Yes, Merrick Bank Double Your Line Secured Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Merrick Bank Double Your Line Secured Credit Card
- Visit the website of Merrick Bank Double Your Line Secured Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Other Services by Merrick Bank
Personal Loans
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Other Credit Cards from Merrick Bank
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Merrick Bank Secured Credit Card
Sponsored
Purchase APR
21.95%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 640
300
850
Annual Fee
Up to $36
Purchase APR
23.95% - 29.95%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 700
300
850
Annual Fee
$0 - $72
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +55, or 4.1 on a 5-point rating scale.
+55
-1000+100
No one recommends
Everyone recommends
Merrick Bank Double Your Line® Secured Credit Card Community Reviews
Would you recommend Merrick Bank Double Your Line® Secured Credit Card to your friends?
NW
Noam W.
Mar 30, 2022
May or may not recommend
Merrick Bank doesn't offer most credit-card benefits. They also charge for payments made out of the country. If you have a low credit score, this might be the best option. However, the high annual fee is something to consider before applying. You should only use this bank if you have a bad credit score, otherwise, look somewhere with more benefits.
TW
Tresttan W.
Mar 25, 2022
May or may not recommend
Merrick is a good line of credit that gives you credit growth but their customer service is killer and sometimes leaves people in collections and detriment to your FICO.
Amy H.
Feb 23, 2022
May or may not recommend
Merrick is quick to respond to any and all issues including lost cards. I called and within a few days I had another card. I also had a missed payment that I had made, but for some reason it did not go through. When I called, they saw the attempt, so I was not charged for the missed payment. My only issue is the fee. I have to remember to ...Show More
RF
Robyn F.
Jan 12, 2022
May or may not recommend
I would recommend using this credit card. The rates are a lot lower than most credit cards.
LH
Lashane H.
Dec 3, 2021
May or may not recommend
Love the card design. Im not a fan of the annual fees that are high. This card has very high interest and they charged other transaction fees so its not a great card if you travel a lot or buy things online.
AJ
Ashuntae J.
Oct 5, 2021
May or may not recommend
Merrick is a great bank overall, but this card is one of the best they have to offer. When signing up, my credit was basically zero. I was approved regardless of that. Now my credit score is well over 700 thanks to Merrick. 10/10 would recommend
Zavion H.
Oct 1, 2021
May or may not recommend
Merrick Bank offers a range of credit cards to meet your needs, so you can live the life you want without the stress of worrying about paying back your credit card. With low APRs and no annual fees, you can enjoy financial freedom and access to a variety of rewards.
RH
Rana H.
Jan 21, 2021
May or may not recommend
The Merrick Bank Secured Visa card is a good fit only if you are planning to establish your credit history and staying with Merrick. However, if you are planning to potentially bank elsewhere, it isn't really a good option for you. The plus side is that the card has a 17.45% variable APR, which is relatively low for a secured credit card. It might be higher than the average credit ...Show More
TB
Taren B.
Jan 11, 2021
May or may not recommend
Where do I start? I have had this card for only a couple months, and it has raised my credit score almost 100 points! There is even a mobile app to keep track of spending! To anyone that needs to learn how to manage their money a bit better, this is the card for them!
MM
Mariah M.
Dec 15, 2020
May or may not recommend
This has been the best credit card to get for my teenaged son to teach him about responsible credit card use and build his credit score. I love that we were the ones who set the credit limit so that we could choose a spending amount that would keep my son within his spending means. Also, while I do not like the high interest rate, it has been ...Show More
EW
Emily W.
Nov 24, 2020
May or may not recommend
I've only had this card for 2 months and my credit score has already gone up over 70 points. I wish I had gone a little higher on my opening deposit, but using their mobile app makes tracking my spending and paying on my balance so quick & convenient.
Showing 11 of 11 reviews
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