What Credit Cards Are Under Merrick Bank?
Merrick Bank issues several credit cards, including the Merrick Bank Credit Card, Merrick Bank Secured Credit Card, Everpath™ Platinum Credit Card, Ollo Platinum Mastercard, Ollo Select Rewards Mastercard, Ollo Rewards+ Mastercard for Nurses & Educators, and Ollo Everyday Rewards Mastercard. The Ollo Platinum, Ollo Select Rewards, and Ollo Rewards+ cards are invitation-only offers, while the Ollo Everyday Rewards Mastercard is now available to eligible consumers through an online application. The Merrick Bank Credit Card and Everpath™ Platinum Credit Card are also invitation-only offers. Merrick Bank also previously offered the Merrick Bank Double Your Line Visa® Credit Card, which was distributed through targeted mail offers but is no longer available to new applicants.
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Which Credit Cards Does Merrick Bank Issue?
Merrick Bank issues both Merrick-branded and Ollo-branded credit cards. The current lineup includes two Merrick-branded cards and four Ollo Mastercard products, although the availability and application process differs from one card to another.
- Merrick Bank Credit Card — invitation only
- Merrick Bank Secured Credit Card — online application available
- Everpath™ Platinum Credit Card — invitation only
- Ollo Platinum Mastercard — invitation only
- Ollo Select Rewards Mastercard — invitation only
- Ollo Rewards+ Mastercard for Nurses & Educators — invitation only
- Ollo Everyday Rewards Mastercard — online application available
In addition, Merrick Bank previously offered the Merrick Bank Double Your Line Visa® Credit Card, a targeted mail-offer card that became known for the possibility of doubling the initial credit line after qualifying payments.
Which Merrick Bank Credit Cards Are Invitation Only?
Three of the Ollo cards in this lineup are invitation only. The Ollo Platinum Mastercard, Ollo Select Rewards Mastercard, and Ollo Rewards+ Mastercard for Nurses & Educators require the appropriate offer before you can apply.
The invitation-only nature of these cards is important because you cannot necessarily go to a public application page and apply for whichever Ollo card you want. The specific card offered to you depends on the invitation you receive.
Which Merrick Bank Credit Cards Can You Apply for Online?
You can currently apply online for the Merrick Bank Secured Credit Card and the Ollo Everyday Rewards Mastercard. The Ollo Everyday Rewards Mastercard is available to eligible consumers without requiring a mailed Ollo invitation first, while the Merrick Bank Secured Credit Card has its own online application.
The Merrick Bank Secured Credit Card requires a refundable security deposit, with the initial credit line generally equal to the amount of the deposit. It is an option for consumers who want a secured card from Merrick Bank and do not want to wait for an invitation.
➤ Read our full Merrick Bank Secured Credit Card review.
The Ollo Everyday Rewards Mastercard is different because it is an unsecured rewards card that eligible consumers can check for and apply for online without first receiving a targeted Ollo offer in the mail.
The Ollo Everyday Rewards Mastercard offers 3% cash back at gas and EV charging stations, grocery stores and drugstores, plus 1% cash back on other purchases.
➤ Read our full Ollo Everyday Rewards Mastercard review.
What Is the Ollo Platinum Mastercard?
The Ollo Platinum Mastercard is an invitation-only credit card issued by Merrick Bank. If you receive an Ollo Platinum offer in the mail, the offer provides the information needed to apply.
The Ollo Platinum Mastercard is intended for consumers who receive a targeted offer rather than being a card that anyone can simply apply for through a standard public application page.
➤ Read our full Ollo Platinum Mastercard review.
What Is the Ollo Select Rewards Mastercard?
The Ollo Select Rewards Mastercard is another invitation-only card issued by Merrick Bank. Consumers must receive an applicable Ollo offer before applying.
The Select Rewards card provides cash-back rewards on qualifying everyday purchases, with the exact terms determined by the offer received.
➤ Read our full Ollo Select Rewards Mastercard review.
What Is the Ollo Rewards+ Mastercard for Nurses & Educators?
The Ollo Rewards+ Mastercard for Nurses & Educators is an invitation-only Merrick Bank credit card marketed specifically to nurses and educators. You must receive the applicable offer before applying.
Like the other invitation-only Ollo cards, it is not simply a card that any consumer can select from a public application menu.
➤ Read our full Ollo Rewards+ Mastercard for Nurses & Educators review.
What Is the Everpath™ Platinum Credit Card?
The Everpath™ Platinum Credit Card is an invitation-only unsecured credit card issued by Merrick Bank. It has a $0 annual fee, does not require a security deposit, and offers credit-line increases over time. The card also includes a free monthly FICO® Score and Mastercard® benefits, including $0 Fraud Liability Protection.
➤ Read our full Everpath Platinum Credit Card review.
What Was the Merrick Bank Double Your Line Visa?
The Merrick Bank Double Your Line Visa® Credit Card was a targeted mail-offer card designed around the possibility of doubling the initial credit line. Consumers who received a Double Your Line offer could use the information provided in the offer to apply.
The product was commonly identified as the Double Your Line Visa, rather than simply being a generic Merrick Bank mail offer. Historical reports show consumers receiving pre-approved Double Your Line Visa offers by mail, with examples of initial credit lines that were scheduled to double after a specified period of qualifying payments.
The Double Your Line Visa should now be treated as a former Merrick Bank product rather than a current application option. That distinction is important when discussing Merrick Bank's card history because a card can have been genuinely issued by the bank without remaining available to new applicants.
Are Ollo Credit Cards Issued by Merrick Bank?
Yes. The Ollo Mastercard products are issued by Merrick Bank even though they carry the Ollo brand name.
That means someone looking for credit cards issued by Merrick Bank should not limit the search to cards with “Merrick Bank” printed in the product name. The Ollo cards are part of Merrick Bank's credit-card business even though Ollo is the consumer-facing brand.
What Merrick Bank Cards Can You Actually Apply For?
The application process depends on the specific card. The Ollo Platinum Mastercard, Ollo Select Rewards Mastercard, and Ollo Rewards+ Mastercard for Nurses & Educators are invitation-only products. The Ollo Everyday Rewards Mastercard is currently available through an online application channel for eligible consumers.
The Merrick Bank Secured Credit Card is a secured product, meaning it works differently from an unsecured credit card because a security deposit is required. The former Double Your Line Visa is not currently an application option for new consumers.
Bottom Line
Merrick Bank's credit-card lineup includes more than its two Merrick-branded cards. The bank also issues four Ollo Mastercard products: the Ollo Platinum Mastercard, Ollo Select Rewards Mastercard, Ollo Rewards+ Mastercard for Nurses & Educators, and Ollo Everyday Rewards Mastercard.
Three of those Ollo cards are invitation only, while the Ollo Everyday Rewards Mastercard is now available through an online application channel for eligible consumers. Merrick Bank also previously issued the Merrick Bank Double Your Line Visa® Credit Card through targeted mail offers.
So if you're researching which credit cards are under Merrick Bank, it is important to distinguish between current cards, invitation-only cards, online application availability, and former products. Simply looking at the Merrick Bank-branded cards does not tell the whole story.
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FICO® Credit Scores
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FICO® Score Ranges:
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- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
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