Last Updated: 07/28/2025
Merrick Bank Double Your Line® Mastercard®
Claimed
in Credit Cards from Merrick Bank
Last Updated: 07/28/2025
SuperMoney User Recommendation Score +73
Strongly recommended11 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
23.95% - 29.95%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
300 - 700
Disclaimer popup with additional information
Annual Fee
$0 - $72
Disclaimer popup with additional information
Number of Reviews
Merrick Bank Double Your Line® Mastercard® Review
This is a card issued by Merrick Bank. If you're wondering whether Merrick Bank Double Your Line® Mastercard® 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 that ranges from 23.95% up to 29.95%.
- 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 up to 2% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Merrick Bank Double Your Line®
| The Good | The Bad |
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Merrick Bank Double Your Line® FAQ
Does Merrick Bank Double Your Line® 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®?
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 higher than average regular APRs.Merrick Bank Double Your Line® Mastercard® has a variable purchase APR that ranges from 23.95% up to 29.95%. Merrick Bank Double Your Line® Mastercard® does not offer balance transfers. It also has a variable cash advance APR that ranges from 28.70% up to 34.95%.
Does Merrick Bank Double Your Line® 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® Mastercard® does not offer balance transfers.Does Merrick Bank Double Your Line® 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®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 - $72 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $0 - $72 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $0 up to $72.
Does Merrick Bank Double Your Line® have a foreign transaction fee?
Merrick Bank Double Your Line® 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®?
The customer service number for Merrick Bank Double Your Line® is (800) 204-5936.
What is the support contact email for Merrick Bank Double Your Line®?
The support contact email for Merrick Bank Double Your Line® is reclending.customerservice@merrickbank.com.
How do people rate the customer service and user experience of Merrick Bank Double Your Line®?
Overall, Merrick Bank Double Your Line® is strongly recommended based on community reviews that rate customer service and user experience.
Does Merrick Bank Double Your Line® Mastercard® report your account activity to credit bureaus?
Yes, Merrick Bank Double Your Line® Mastercard® 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® 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®
- Visit the website of Merrick Bank Double Your Line®.
- 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® Mastercard® 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®
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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
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +73, or 4.5 on a 5-point rating scale.
+73
-1000+100
No one recommends
Everyone recommends
Merrick Bank Double Your Line® Mastercard® Community Reviews
Would you recommend Merrick Bank Double Your Line® Mastercard® to your friends?
MM
Munib M.
Feb 6, 2022
May or may not recommend
From my experience it's an okay card. They are focused on people with limited access to credit or those looking to improve their credit histories. It definitely helps build the credit score. What I don't like is the exorbitant fees for this service, like the setup fee and the annual fee.
NK
Natasha K.
Sep 14, 2021
May or may not recommend
Need to start a credit account? Like me, you may be new to the whole credit thing in life and it can definitely be intimidating at first. However, with Merrick Bank, it becomes much more exciting. Exciting? How can credit be exciting? Well, credit builds your future and with a reliable company, you can count on a relaxing life.
Andrew H.
Aug 12, 2021
May or may not recommend
Good card to build credit with. Bad for holding a balance, and no rewards.
FC
Florencia C.
Jul 22, 2021
May or may not recommend
With this credit card I can garantee you you will feel safe because of its sophisticated theft protection. This is the most important aspects of credit card because you'll get the security that you've always been searching for. I feel confident about this card and would recommend it to anyone. The costumer service is very helpful and easy to contact.
AA
Adam A.
Jun 3, 2021
May or may not recommend
The APR is just too high, and top of that there is no rewards, I was considering signing up at first but when I read every detail I changed my mind.
Youram J.
May 7, 2021
May or may not recommend
Good service and great credit cards for use. They approve my credit card within a minute and give low interest rates. It also increases credit lines after 6 months. I can trust Merrick bank services.
U
Anonymous
Jul 2, 2020
May or may not recommend
Awesome for building your credit to great score. i would highly recommend it.
DD
Dwin D.
Feb 24, 2020
May or may not recommend
I love my Merrick relationship. They gave me a small line of credit. With responsible payments that line has increased tremendously. I have never had a single problem with them and they have taken care of everything quickly and with great customer service.
WB
William B.
Dec 16, 2019
May or may not recommend
If you are rebuilding your credit (600-700) Merrick Visa seems like a good way to go. After you've turned down 10,000 pre-approved credit offers, Merrick will contact you when your score is around 660. You'll be instantly approved for a Visa of around 1,000 bucks at 21%. Seemed like a good place to go while my credit is still so-so.
GD
Glendon D.
Sep 8, 2019
May or may not recommend
Love it love love this card. Its great to shop
HS
Hasiel S.
Sep 7, 2019
May or may not recommend
I tried it, it's AWESOME and I would like to have you recommended it too
Showing 11 of 11 reviews
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