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Banking RegistryReal data. Clear answers.
Banking RegistryReal data. Clear answers.

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Add cards by their address. Each column is the same disclosure the product page shows, in the same order, with the same links to the document each value was read from.

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Merrick Bank

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
Introductory, reported median duration 12 months0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
29.49%–29.74% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
APR for balance transfersintroductory rate first0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
APR for cash advances29.49%–29.74% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases25 days from the close of each billing cycle—
Minimum interest charge$1.50—
How we calculate your balanceAverage daily balance including new purchases—
Annual fee$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Transaction fees
Cash advance5% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Balance transfer4% of the amount, minimum $5Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Foreign transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Penalty fees
First late fee$29Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Repeat late fee within six billing cycles$40Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Returned payment—
Other fees
Expedited delivery fee$29, For replacement plasticConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Balance transfer termsNoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website