Merrick Platinum Visa
Merrick Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Merrick Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Merrick Platinum Visa from Merrick Bank earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 0x points.
What does the Merrick Platinum Visa earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Merrick Platinum Visa compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Merrick Platinum Visa compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Merrick Platinum Visa?
The Merrick Platinum Visa fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points.
Merrick Platinum Visa fits spenders who put meaningful volume in dining and can earn 0x points. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0x points.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (0x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $2 foreign transaction fees.
- points value depends on how you redeem, not straight cash back.
Does the Merrick Platinum Visa have an annual fee?
The Merrick Platinum Visa has an annual fee of $0 and a foreign transaction fee of $2. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $2
What benefits come with the Merrick Platinum Visa?
The Merrick Platinum Visa includes Monthly FICO Score for Free in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Monthly FICO Score for Free
goScore is a complimentary benefit available online to all Merrick Bank customers. With goScore, you can get your updated FICO® Score for free each month when it is provided to us from the credit bureau.
Related encyclopedia topics
Common questions about the Merrick Platinum Visa
Does the Merrick Platinum Visa have an annual fee?
The Merrick Platinum Visa carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Merrick Platinum Visa?
Dining is the strongest Madeen category for the Merrick Platinum Visa at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Merrick Platinum Visa charge foreign transaction fees?
The Merrick Platinum Visa charges a foreign transaction fee of $2 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Merrick Platinum Visa?
Madeen's catalog lists a typical credit range of Good for the Merrick Platinum Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Merrick Platinum Visa?
Rewards on the Merrick Platinum Visa post as points. Redemption value depends on how you use points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the Merrick Platinum Visa?
To maximize the Merrick Platinum Visa, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the Merrick Platinum Visa compare to similar cards?
Compare the Merrick Platinum Visa against Merrick Bank Card (0% on Dining, $0 fee); Merrick Double Your Line (0% on Dining, $0 fee); Ollo Platinum Mastercard (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Merrick Platinum Visa This card | Dining | 0% | $0 |
Merrick Bank | Dining | 0% | $0 |
Merrick Bank | Dining | 0% | $0 |
Merrick Bank | Dining | 0% | $0 |
Merrick Bank | Grocery | 3% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Merrick Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Merrick Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure