The Merrick Bank is a personal credit card from Merrick Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0 - $39 (depends on the personal offer). The ongoing APR is Variable APR: 24.99% - 29.99% (standard pricing; pricing may vary by personal solicitation). Rewards: 3% unlimited cash back at gas stations, public EV chargers, grocery stores and drugstores; 1% cash back on all other purchases; no limit on cash back earned. Loan terms: Revolving personal credit card; payment due date at least 25 days after the close of each billing cycle; no interest on purchases if the entire New Balance is paid by the due date; interest on cash advances from the transaction date; minimum interest charge $1.50. This product reports activity to your personal credit report.