The Merrick Bank is a personal credit card from Merrick Bank. Application typically pulls a hard report from TransUnion. The ongoing APR is Variable APR: 24.99% - 28.99% (standard pricing; pricing may vary by personal solicitation). Rewards: 3% cash back at gas stations, public EV chargers, grocery stores and drugstores; 1% on all other purchases; no limit on cash back; cash back never expires. 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.