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Merrick Bank Double Your Line™ Platinum Visa® Credit Card

in Personal Credit Cards from Merrick Bank

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Merrick Bank Double Your Line™ Platinum Visa® Credit Card

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in Personal Credit Cards from Merrick Bank

SuperMoney Net Recommendation Score +80

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +80, equating to 4.6 on a 5 point rating scale.

+80

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

9 users recommend
0 users are unsure
1 user doesn't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 19.45% - 28.45%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee $0 - $72
Number of Reviews 10

Merrick Bank Double Your Line™ Platinum Visa® Credit Card Review

This is a credit card issued by Merrick Bank. If you're wondering whether Merrick Bank Double Your Line™ Platinum Visa® Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 19.45% 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 will have good approval odds if your credit score is above 600.
Pros & Cons of Merrick Bank Double Your Line™ Platinum Visa® Credit Card
The Good The Bad
  • Free access to your credit score.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Merrick Bank Double Your Line™ Platinum Visa® Credit Card 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.
Merrick Bank Double Your Line™ Platinum Visa® Credit Card FAQ

Does Merrick Bank Double Your Line™ Platinum Visa® Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Merrick Bank Double Your Line™ Platinum Visa® Credit Card benefits?

It 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® Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR that ranges from 19.45% up to 28.45%. It also has a variable cash advance APR that ranges from 24.95% up to 33.45%.

Does Merrick Bank Double Your Line™ Platinum Visa® Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Merrick Bank Double Your Line™ Platinum Visa® 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™ Platinum Visa® Credit Card?

The following fees apply:

  • There is no overlimit fee
Merrick Bank Double Your Line™ Platinum Visa® Credit Card 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® Credit Card have a foreign transaction fee?

Merrick Bank Double Your Line™ Platinum Visa® Credit Card charges a foreign transaction fee of 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™ Platinum Visa® Credit Card?

The Merrick Bank Double Your Line™ Platinum Visa® Credit Card customer service number is (800) 204-5936.

How do people rate the customer service and user experience of Merrick Bank Double Your Line™ Platinum Visa® Credit Card?

Overall, Merrick Bank Double Your Line™ Platinum Visa® Credit Card is strongly recommended based on community reviews that rate customer service and user experience.

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

Yes, Merrick Bank Double Your Line™ Platinum Visa® Credit Card 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® Credit Card

  • Visit the Merrick Bank Double Your Line™ Platinum Visa® Credit Card 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.

Merrick Bank Double Your Line™ Platinum Visa® Credit Card Disclosure: Annual fees range from $0-$72
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.

Message From Merrick Bank Double Your Line™ Platinum Visa® Credit Card

Merrick Bank is proudly owned by CardWorks- a financial servicing company that helps bankcard issuers across the United States reduce their risk, increase their profitability, and support their customers. Merrick Bank has been here for more than 23 years and CardWorks has been around for more than 30 years. We’re focused on the long term and excited about the future.

If you've received an offer from us, it means your credit profile met our standards and qualified you for an offer. Merrick Bank Helps Customers Build and Rebuild Their Credit. Work toward a positive credit history with all three major credit bureaus. Your account will be regularly reviewed for credit line increases.Access your key account features from any device. Check your balance, make a payment, set up email alerts, and more. If you've received an offer from us, it means your credit profile met our standards and qualified you for an offer. Merrick Bank Helps Customers Build and Rebuild Their Credit. Work toward a positive credit history with all three major credit bureaus. Your account will be regularly reviewed for credit line increases.Access your key account features from any device. Check your balance, make a payment, set up email alerts, and more.

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Cash Advance Fee ($) Starting at $0
Initial Program Fee $0 - $72
Over-Limit Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 4%
Foreign Currency Transaction Fee 2%
Annual Fee $0 - $72
Minimum Interest Charge $1
Returned Payment Fee Up to $40
Additional Card Fee Amount $12
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Free Credit Score
Rewards Type No Rewards
Security Deposit $0
Cash Advance APR (Variable APR) 24.95% - 33.45%
Balance Computation Average daily balances (including new purchases)
Credit Limit $500 - $2,500
Purchase APR (Variable APR) 19.45% - 28.45%
Card Type
  • Bad Credit
Card Network Visa

Merrick Bank Double Your Line™ Platinum Visa® Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +80, equating to 4.6 on a 5 point rating scale.

+80

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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