Regular purchase APR
22.95%* VariableAnnual fee
$36 the first year. Billed $3 per month thereafter
Additional rates & fees
- Annual fee
- $36 the first year. Billed $3 per month thereafter
- Intro purchase APR
- N/A
- Regular purchase APR
- 22.95%* Variable
- Intro balance transfer APR
- N/A
- Regular balance transfer APR
- N/A
- Cash advance APR
- 27.95%* Variable
- Cash advance fee
- $10 or 4% of the amount of each cash advance, whichever is greater.
- Late fee
- Up to $40
- Penalty APR
- N/A
- Balance transfer fee
- N/A
- Foreign transaction fee
- See Terms*
- Return payment fee
- Up to $40
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.
Card details
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history 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.