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Merrick Bank Double Your Line® Mastercard®

Merrick Bank Double Your Line® Mastercard®


Rated 3/5 stars by our editorial team

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  • Regular Purchase APR 21.70% to 30.70% *Variable
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0 - $72
  • Credit Needed


  • Card Brand Mastercard®

Card Details


  • Click "APPLY NOW" to apply online
  • Credit lines range from $550-$1,350 which double to $1,100-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report 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.

Card Fees

Foreign Transaction Fee See Terms*

Cash Advance Fee 4%, Min: $10

Ongoing Information

Annual Fee $0 - $72

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

If you want to improve your credit history, this card offers the opportunity to double your credit line if you make on-time minimum payments for the first seven months your account is open. You won’t have to call to ask, the credit line increase is automatic. Find out quickly if you are pre-qualified for this card without impacting your credit score. Other benefits include the ability to track progress in your credit building efforts with free access to your monthly FICO® Score updates and no penalty rates or over limit fees.

Expert Reviews of the Merrick Bank Double Your Line® Mastercard®

  • 3.0

    Regular APR

  • 0.0

    Intro APR

  • 2.0


  • 4.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

If you are motivated to improve your credit, this card could be a path to a significantly higher credit limit in seven months.

The Good

The opportunity to double your credit line in seven months creates potential to develop a better credit utilization ratio. That is an important factor for your credit score. Credit utilization is the amount of your available credit tied up in debt. If you have a $1,000 credit limit, experts recommend aiming to keep your balance at 30% of that limit or $300 or below.

The Not so Good

Examine your offer for fees. Weigh the costs of any annual and set-up fees against the opportunity to double your credit limit in seven months.

Editorial Note: This content is not provided by Merrick Bank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Merrick Bank.

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