Last Updated: 09/15/2026
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Highlights
Purchase APR (Variable APR)
23.99% - 29.99%(Verified 09/14/2026)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
23.99% - 29.99%(Verified 09/14/2026)
Disclaimer popup with additional information
Credit Score Range
300 - 700
Annual Fee
$0
Ollo Everyday Rewards Review
This is a card issued by Merrick Bank. If you're wondering whether Ollo Everyday Rewards is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 23.99% up to 29.99%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 4% balance transfer fee. Ollo Everyday Rewards charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Ollo Everyday Rewards
| The Good | The Bad |
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Ollo Everyday Rewards FAQ
Does Ollo Everyday Rewards have a cash back or rewards program?
No, it does not offer a rewards program.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Drug Store Purchases | 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Ollo Everyday Rewards?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of September 2026) is 22.15%. This card has higher than average regular APRs.Ollo Everyday Rewards has a variable purchase APR that ranges from 23.99% up to 29.99%. The card has a variable balance transfer APR that ranges from 23.99% up to 29.99%. It also has a variable cash advance APR that ranges from 23.99% up to 29.99%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Ollo Everyday Rewards have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Ollo Everyday Rewards 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 Ollo Everyday Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $0 - $72 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Ollo Everyday Rewards have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Ollo Everyday Rewards?
The customer service number for Ollo Everyday Rewards is (800) 204-5936.
What is the support contact email for Ollo Everyday Rewards?
The support contact email for Ollo Everyday Rewards is reclending.customerservice@merrickbank.com.
How do people rate the customer service and user experience of Ollo Everyday Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Ollo Everyday Rewards report your account activity to credit bureaus?
Yes, Ollo Everyday Rewards 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, Ollo Everyday Rewards 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 Ollo Everyday Rewards
- Visit the website of Ollo Everyday Rewards.
- 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.
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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
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
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- 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
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