Merrick Bank Double Your Line Platinum Visa Review

Merrick Bank Double Your Line Platinum Visa is a credit card issued by Merrick Bank. If you're wondering whether Merrick Bank Double Your Line Platinum Visa is the right card for you, read on. This is everything you need to know to make a good choice.

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 23.45% up to 28.45%.
• Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $72 for the privilege.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.

The Good	The Bad
Free access to your credit score. Considers applicants with fair or poor credit. Merrick Bank Double Your Line Platinum Visa reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 2%. You don't earn rewards on every purchase. Does not include many credit card benefits.

Is there a Merrick Bank Double Your Line Platinum Visa cash back or rewards program?

No, Merrick Bank Double Your Line Platinum Visa does not offer a rewards program.

What are the Merrick Bank Double Your Line Platinum Visa benefits?

Merrick Bank Double Your Line Platinum Visa provides the following benefits:

• Free Credit Score
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Merrick Bank Double Your Line Platinum Visa?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Merrick Bank Double Your Line Platinum Visa has higher than average purchase APRs.

Merrick Bank Double Your Line Platinum Visa has a variable purchase APR that ranges from 23.45% up to 28.45%. It also has a variable cash advance APR that ranges from 28.45% up to 33.45%.

What are the fees for Merrick Bank Double Your Line Platinum Visa?

The following fees apply to Merrick Bank Double Your Line Platinum Visa:

• There is no overlimit fee

Merrick Bank Double Your Line Platinum Visa Fees

Fees	Amount
Annual Fee	Starting at $0 up to $72
Overlimit Fee	$0
Initial Program Fee	$0
Foreign Transaction Fee	2%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

Does Merrick Bank Double Your Line Platinum Visa report your account activity to credit bureaus?

Yes, Merrick Bank Double Your Line Platinum Visa reports your account activity to the following credit reporting agencies:

• 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 improve your credit.

How to apply for Merrick Bank Double Your Line Platinum Visa

• Visit the Merrick Bank Double Your Line Platinum Visa website.
• 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.