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  Merrick Platinum Visa

Merrick Platinum Visa

in Personal Credit Cards from Merrick Bank

Unaffiliated

Merrick Platinum Visa

Unaffiliated

in Personal Credit Cards from Merrick Bank

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Highlights
Highlights
Annual Fee $96
Purchase APR  (Variable APR) 20.45% - 29.95%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range N/A

Merrick Platinum Visa Review

Merrick Platinum Visa is a credit card issued by Merrick Bank. 

If you're wondering whether Merrick Platinum Visa is the right card for you, read on. This is everything you need to know to make a good choice.
Pros & Cons of Merrick Platinum Visa
The Good The Bad
  • Free access to your credit score.
  • Merrick Platinum Visa reports to multiple credit bureaus.
  • Good for people with bad credit.
  • Free credit score.
  • Higher than average purchase APRs.
  • Charges an annual fee of $96.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.
  • This card is by invitation only. Customers who receive an offer from Merrick Bank may apply.
  • This card comes with a hefty annual fee.
  • There is an initial set up fee of up to $75.
  • Is there a Merrick Platinum Visa cash back or rewards program?

    No, Merrick Platinum Visa does not offer a rewards program.

    Merrick Platinum Visa Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    What are the Merrick Platinum Visa benefits?

    Merrick Platinum Visa provides the following benefits:

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

    What are the relevant APRs for Merrick 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 Platinum Visa has higher than average purchase APRs.

    Merrick Platinum Visa has a variable purchase APR that ranges from 20.45% up to 29.95%.

    Does Merrick Platinum Visa have an introductory APR offer?

    Merrick Platinum Visa does not offer an introductory rate on new purchases.
    Merrick Platinum Visa Balance Transfers
    Description
    Balance Transfer APR N/A
    Introductory Rate N/A
    Intro APR period (months) N/A
    Merrick Platinum Visa Rates & Terms
    Description
    Balance Computation N/A
    Purchase APR 20.45% - 29.95%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR N/A
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the Merrick Platinum Visa fees?

    The following fees apply to Merrick Platinum Visa:

    Merrick Platinum Visa Fees
    Fees Amount
    Annual Fee $96
    Initial Program Fee $75

    Does Merrick Platinum Visa report your account activity to credit bureaus?

    Merrick 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 can help improve your credit score.

    How to apply for Merrick Platinum Visa

    • Visit the Merrick 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

    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...

    Contact

    • Headquarters
    •   10705 South Jordan Gateway
      Suite 200
      South Jordan, UT 84095
    •   Visit Site

    About Merrick Platinum Visa

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    View all personal credit cards offered by Merrick Bank

    Availability

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

    Feature Breakdown

    Initial Program Fee $75
    Paper Statement Fee $0
    Annual Fee $96
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Card Network
    • Visa
    Card Type
    • Bad Credit
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Credit Card Benefits
    • Fraud Liability
    • Free Credit Score
    Fraud Liability  
    Free FICO Score  
    Purchase APR (Variable APR) 20.45% - 29.95%

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    Annual Fee $96 Annual Fee
    Purchase APR 20.45% - 29.95%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR N/A Balance Transfer APR
    Credit Score Range 300 - 700     300 850
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    Annual Fee $36 Annual Fee
    Starting Purchase APR 19.7% Starting Variable APR
    Balance Transfer APR N/A Balance Transfer APR
    Credit Score Range N/A Credit Score Range