The Merrick Bank is a personal credit card from Merrick Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is Variable APR: 22.99% - 29.99% (standard pricing; pricing may vary by personal solicitation). 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.