Merrick Double Your Line Credit Card Review

Updated: Feb 1, 2025

Advertiser Disclosure

Meet Double Your Line Credit Card from Merrick Bank – Solid Starter Card with High Credit Line and Pre-qualification in 60 Seconds

The Merrick Bank Double Your Line credit card is the right option to start a credit history or have a low credit that you want to repair. Compared to other starter credit cards, this one is very flexible and has a reasonably high credit card limit. At the same time, it comes with a relatively high APR and an annual fee that you need to consider. Many people have problems with their credit scores, as it significantly affects their lives. You need a reliable card that can help you build up credit. If you are having similar issues, consider getting this credit card. Today, we will review this card and help you understand all its upsides and downsides. Ultimately, we will help you know whether this card is right for you.

Merrick Bank Offers:

Merrick Bank Mastercard Review

Merrick Double Your Line Offer Details

This is a typical unsecured credit card for people with an imperfect score. The main goal of this card is to help users repair their credit and nothing else. However, it has some interesting features and options that make the card unique and complement its primary goal.

Has a high credit limit

This means that a broad group could benefit from owning this card. This card comes with a very high credit limit, and you can further extend it after some time. Since this is an unsecured credit card, you won’t have to pay a deposit for your credit limit. At the very start, it’s possible to get a sizeable limit, and if you prove yourself as a reliable cardholder, you can get an even higher limit in the future.

Free monthly credit score check

The bank gives all its card users a free credit score check each month. Not many card issuers offer this, especially not every month. This option lets you continually track your FICO score and know how well you are doing.

Credit reporting

The card reports your credit activity to all three main Credit Bureaus monthly.

Quality customer support

It’s one of the few credit card issuers that offer 24/7 customer support. However, customers either have to send an email or call them to get in touch, as there is no live chat. All the credit card bills can be paid and managed through the mobile banking app, and you can also use it to check your score.

Double your line

These cards all have a special offer that no other card issuer offers. This means that the Merrick Bank Mastercard also comes with this feature. Your credit limit will double automatically if you make six straight minimum payments on time. Having a higher credit line allows you to improve your credit utilization, which, in turn, will enable you to build your credit faster. It’s a unique feature that not many credit card issuers give their users.

It can be used anywhere

This is an open-loop credit card that can be used anywhere where a Mastercard is supported. Put simply, users don’t have to change their shopping habits if they don’t want to. Various retail stores and ATMs support Mastercards, and cardholders aren’t limited when using this card.

PRO Tip
If you are looking for a card with a big credit limit to make the most out of your credit utilization, this Merrick Bank Mastercard might be just the one you need.

Why We Like It

Unsecured Card. What we love about this Mastercard is that it is an unsecured credit card with a high credit limit. Simply put, this means that this card gives you the ability to make significant progress very quickly while, at the same time, not having to deposit any money of your own.

Credit Limit Increase in 6 months. Furthermore, every cardholder can quickly increase their credit limit in just 6 months. If you make each minimum payment every month on time, you will automatically increase your credit limit twofold. This means having the ability to spend more and create more positive reports each month. At the same time, the higher the credit limit is, the easier it will be to keep your credit utilization low. This card will make it worthwhile if you can establish responsible payment habits and be disciplined.

Free FICO Score. Furthermore, you will get a free FICO score check each month to stay on top of your progress at all times. At the same time, this card guarantees monthly reports to three major credit bureaus, meaning your activity won’t go unnoticed.

PRO Tip
By using this card in a responsible way, you can raise your credit limit up to an astonishing $10k, which can be really useful for speeding up the process of boosting your score. Using under 30% of your credit limit each month brings more positive results each month. The higher your limit is, the easier it will be to keep your credit utilization really low.

What can be Better

High APR. The Merrick Bank Mastercard has solid APR interest, which is why many people are scared of this card. However, most people don’t consider that this card has a high unsecured line of credit that can go up to an incredible $10,000! With interest over 20%, leaving any loan on your card makes no sense. Irresponsible users can easily get tempted to carry a big balance and miss payments. At the same time, when you consider the high credit line, it’s easy to get stuck into a vicious cycle of debt. However, a low credit score card wouldn’t be that if it didn’t have its downsides. The good news is that the APR interest won’t be a factor if appropriately used (paying all your credit on time).

Activation fee. There is a bit higher account activation fee for all their cards. This is something that’s not clearly stated anywhere. The company could be a bit more transparent on that instead of covering it up. Still, it’s a one-time payment that won’t bother you any longer.

Annual fee. This Mastercard comes with a slightly steep yearly fee. Other cards have a lot of higher annual fees. Still, there are unsecured cards that come with no annual fees whatsoever. This Merrick Bank Mastercard does have a nice system built around it, and it’s a reliable card for boosting credit scores.

PRO Tip
The biggest downside to the Double Your Line Mastercard is the APR. Simply put, being irresponsible and having to pay for the interest can cost you a lot. This is why you should prepare a budget a couple of months in advance to ensure you never have to deal with the interest with this card.

What are the Usage and Applications?

When applying for this card, ensure you will be using it. If you get the card but don’t use it, the issuer will still send reports to the credit bureaus. At the same time, you will have to pay the annual and account activation fee for no reason whatsoever. The one thing you should look to do is to avoid interest. As mentioned, the APR is relatively high, and you should go around it completely. The high credit limit can be very tempting, as users can access money without any secured deposit. It can be easy to get carried away and spend more than you can pay back. This will get you in trouble with added interest and a negative stain on your credit score. Luckily, it’s up to you to make sure you clear your balance each month on time.

To start on the right foot, make all the minimum monthly payments on time. This is how you can quickly increase your credit limit even further, making it easier for yourself to have a perfect credit utilization rate. What’s great about this card is that you can use it to buy so many different things. But you can start to slow down with some small shopping on this card to keep your credit utilization low. When you increase your credit limit, you can move on to more significant purchases while keeping credit utilization at the same percentage.

Opportunity to Keep Your Credit Utilization Low

The Merrick Bank Mastercard is a unique credit card with no security deposit and the opportunity to keep an ideal credit utilization ratio. Yes, keeping the credit utilization ratio under 30% is good, but the lower it is, the better your monthly reports to the credit bureau will be. An ideal ratio is 3%, which is usually very unrealistic. However, with these credit cards, it’s possible. The reason for this is the high credit line you can achieve. Even with the maximum starting credit line, you can keep credit utilization at 3%. This means that your balance should be pretty low. Using the card for small and straightforward purchases is a very real thing to do. When you maximize your credit limit, you can have a slightly higher balance that will still keep you under 3%, making your monthly reports look really good.

What Are Costs & Fees of Double Your Line Credit Card?

Regarding this card, it’s essential to look at the fees section. Even though this card is a reliable tool for building credit, it does come with its costs. You must ensure you can afford the costs and use the card wisely to avoid additional fees like APR interest. Here are the costs and fees you can expect with this card:

  • Annual fee (can be paid every month after a year)
  • Account fee
  • Fee for getting an additional card
  • APR depending on the balance
  • Late payment fee

The annual fee is solid, but it’s pretty reasonable. Especially when you look at the fact that there are no other mandatory fees you need to pay for. There are no transaction fees or other costs related to using this card. We believe the high account activation fee is nasty, and the issuer could have added it to the annual fee. However, it makes sense when you consider how valuable the online account is and how it works well. If only the issuer were transparent about the fee. If you want multiple cards and have others use them, you can request a new card for a small fee. The card will be tied to the same account, and you can speed up the process. The APR interest is the real downside of this card, and you should be very careful with it. Make all your payments on time and in full.

PRO Tip
When you take into account all the costs, you will have to invest a bit, but you can get away without having any additional costs for a year. As long as you use one card and make sure that you don’t get into the interest zone, you will keep your costs really low.

Is it Convenient to Use?

As we mentioned earlier, the Merrick Bank Double Your Line Mastercard has all the benefits of a Mastercard and added perks. First, you can use it worldwide at any ATM or store that accepts Mastercards without additional fees. It can be used offline and online to get cash at ATMs supporting Mastercards. Naturally, some ATMs supporting MasterCard have their own standardized fees for these cards. This means you should check the fees of these services before using them. All in all, this Mastercard can be used as a regular card, with all its practicality. You can use it while traveling or even get some added credit if you run out of cash somewhere.

What Are Qualifications Requirements?

The Merrick Bank Mastercard is an exclusive credit card. What does this mean? Except for its unique features and fantastic service, this card is only available to certain people. Simply put, you can’t just apply for this card and expect to get it. First, you must be a bank member and use some of their services. When the bank sees that you have a credit profile that qualifies you for this card, they will send you the offer independently. You can respond to the offer on the bank’s official site as soon as you receive it.

You should understand this is a unique, unsecured credit card designed for people with a credit score of 300 to 700. This means it’s not intended for people with terrible credit scores. This card is primarily meant for people with a Merrick Bank card. This card requires a deposit, and anyone can get it.

Similar Offers and Alternatives

Card OfferIssuerAnnual FeeRewards/ BenefitsReviewApplication
Fortiva MastercardBank of Missouri See terms– 3% Cashback reward
– Instant preapproval
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Destiny MastercardGenesis Card ServicesSee terms– 3 Major Credit Bureaus Reporting
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First Latitude PlatinumSynovus BankSee terms– Optional credit line increase
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Assent Platinum MastercardSynovus Bank$49– 3 Major Credit Bureaus Reporting
– 0% purchases APR for 6 months
OakStone Platinum SecuredSynovus Bank$49– Very low APR rate
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Cleo Credit Builder VisaWebBankSee terms– Cash back rewards
– No credit check. No interest
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Sable One SecuredCoastal Community$0– No SSN required to apply
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How do you apply for the Merrick Double Your Line Card?

The bank will send an offer for this credit card to users who qualify for it. Once you’ve received an offer (email or phone call), you will get valuable information that you can use to apply for the card. You can click on the “respond to offer” in the email. Click here to apply online.

The application takes a few minutes, and you must add basic personal information like getting a credit card. Usually, people who’ve been with the bank for a couple of months will receive an offer to get this card if they’ve had a positive relationship with the bank. If you didn’t get the services and don’t have an account, the easiest way is to get a secured card, which anyone can apply for.

Most users who get an invite for the card will pass the application. However, sometimes, the bank will not thoroughly go through someone’s credit profile until they’ve applied. Simply put, there aren’t clear criteria based on which the bank sends out invites for these advanced cards. The application processing lasts a couple of days, and you can expect to get your answer in that period. After being approved for the card, you will receive it at your home address via mail in a week or two, depending on your location. As soon as you’re approved, you can activate the account.

How to Contact the Merrick Bank

Corporate Office AddressMail Correspondence
Merrick Bank
P.O. Box 5000
Draper, UT 84020-5000
Overnight Payment
Merrick Bank
Attn: Lockbox Operations #660702
2701 East Grauwyler Road, BLDG 1
Irving, TX 75061

USPS Mail
Merrick Bank
P.O. Box 660702
Dallas, TX 75266-0702

Bottom Line

This is one of the rare exclusive cards for getting your credit back on track. You need to be a proven member of the Merrick Bank community to get your hands on one. It doesn’t come with any special rewards but gives you an almost unlimited credit line with no hidden costs. For the price of a couple of small kitchen appliances, you can get an exceptional tool for fixing your credit and responsible spending. If you are already a bank member, you might find this card very useful.

Furthermore, if you are used to using Mastercard, you won’t have to change your habits whatsoever. This card guarantees your monthly reporting to credit bureaus. At the same time, you can also track your progress each month while managing your balance through a user-friendly app. Simply put, it’s a well-rounded card that gives you everything you need to get your credit where you want it to be.

Frequently Asked Questions



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