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Merrick Bank Double Your Line® Mastercard®

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on Merrick Bank's secure site

Merrick Bank Double Your Line® Mastercard®

 

Rated 3/5 stars by our editorial team

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on Merrick Bank's secure site


  • Regular Purchase APR

    22.45% to 30.70% *Variable

  • Intro Purchase APR

    N/A

  • Intro BT APR

    N/A

  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0 - $72

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Credit lines range from $550-$1,350 which double to $1,100-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

Card Fees

  • Foreign Transaction Fee

    See Terms*

  • Cash Advance Fee

    4%, Min: $10

Additional Card Details

  • $0 Fraud Liability

    No

  • Auto Rental Insurance

    No

  • Extended Warranty Program

    No

  • Roadside Assistance

    No

  • Purchase Protection

    No

  • Travel Assistance

    No

  • Flight Accident Insurance

    No

  • Lost Luggage Reimbursement

    No

  • Concierge Service

    No


Expert Reviews

  • Regular APR

    3.0

  • Intro APR

    0.0

  • Fees

    2.0

  • Benefits

    4.0

  • Overall Rating

    3.0 /5

From the LendingTree.com Editorial Team

If you want to improve your credit history, this card offers the opportunity to double your credit line if you make on-time minimum payments for the first seven months your account is open. You won’t have to call to ask, the credit line increase is automatic. Find out quickly if you are pre-qualified for this card without impacting your credit score. Other benefits include the ability to track progress in your credit building efforts with free access to your monthly FICO® Score updates and no penalty rates or over limit fees.

The Bottom Line

If you are motivated to improve your credit, this card could be a path to a significantly higher credit limit in seven months.

The Good

The opportunity to double your credit line in seven months creates potential to develop a better credit utilization ratio. That is an important factor for your credit score. Credit utilization is the amount of your available credit tied up in debt. If you have a $1,000 credit limit, experts recommend aiming to keep your balance at 30% of that limit or $300 or below.

The Not So Good

Examine your offer for fees. Weigh the costs of any annual and set-up fees against the opportunity to double your credit limit in seven months.


Editorial Note: This content is not provided by Merrick Bank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Merrick Bank.

Expert Reviews of the Merrick Bank Double Your Line® Mastercard®

  • Regular APR

    3.0

  • Intro APR

    0.0

  • Fees

    2.0

  • Benefits

    4.0

  • Overall Rating

    3.0 /5


Consumer Reviews 0 Reviews

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