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Credit Cards
Visa® Credit Card Features
- 0% Introductory APR1
- 9.99% APR2,3 after 6 months
- Local service from your Merchants Bank branch
- Flexible payment options, including redeeming points to pay down your balance
- Card control and spending app
- Free Falcon Fraud Detection
- No fees on balance transfers
- Travel benefits, including up to $150,000 insurance when used to purchase travel fare and more
- Contactless payments
Visa® Classic or Platinum with ScoreCard® Rewards
- Classic option for credit limits up to $5,000 and Platinum option for credit limits $5,000 and over
- Earn 1 point for every $1 spent5
- No annual fee
- ScoreMore bonus points
Visa® ScoreCard® with Cash Back
- Up to 1% cash back on all purchases
- $30 annual fee
† Merchants Bank Credit Card App is free, however, text or data charges may be imposed by your mobile provider. Check your plan for details. Your carrier may limit access outside the U.S
Compare Credit Cards
| Visa® Classic with ScoreCard® Rewards | Visa® Platinum with ScoreCard® Rewards | Visa® ScoreCard® Cash Back | |
|---|---|---|---|
| Earn Rewards | 1 point for every $1 spent 5 | 1 point for every $1 spent 5 | Up to 1% cash back on all purchases |
| Low Introductory APR On purchases, balance transfers and cash advances. Introductory rate will be 0% APR, fixed for six months, from the account opening date. | 0% 1 | 0% 1 | 0% 1 |
| APR after 6 Months | 9.99% 2,3 | 9.99% 2,3 | 9.99% 2,3 |
| Annual Fee | None | None | $30 |
| Free Falcon Fraud Detection | |||
| Apply Now | Apply Now | Apply Now |
One of the great perks of my Merchants Bank Visa ScoreCard Credit Card is that I can book a car rental through the Travel Advantage rewards. It's so easy...you just call the 1-800 number and they take care of everything for you. One less thing to worry about when I'm booking our family trip.
Can I redeem my points for cashback on my card (Redeem2Erase)?
Yes, with our Redeem2Erase option you can apply points from eligible transactions to your credit balance to "erase" your bill. Watch this video or follow the steps below to learn how:
- Starting at www.scorecardrewards.com
- Click on Shop Rewards and choose Redeem2Erase from the menu.
- Click the Redeem2Erase logo icon on the page that appears.
- Click Go to Transactions.
- Choose the transactions (those between $20.00-$1,000.00 are eligible) you'd like to apply to your balance and click the Erase icon. Follow the steps to complete your points redemption.
- The "erased" amount will appear on your credit card transactions as a credit within 1-2 business days.
How can I earn more rewards points?
You can earn additional bonus points on your Visa® ScoreCard Credit Card or additional cash back on your Visa® ScoreCard with Cash Back at participating retailers online or in-store with ScoreMore. It’s easy...just shop at participating retailers online by:
- Starting at www.scorecardrewards.com
- Click on ScoreMore for a list of participating retailers.
- Make your purchases using your Merchants Bank ScoreCard credit card.
- You automatically earn bonus points or cash back. In-store shopping is just as easy.
How does Merchants Bank detect fraud on my credit card?
We work with our trusted partner, Visa® Falcon Fraud Prevention Services, to monitor fraud trends and detect fraudulent transactions on your credit card accounts 24/7.
Our partner, Falcon, will call, text or email you in the event of a suspicious transaction. Falcon will make you aware that the call is being placed on behalf of Merchants Bank. If you cannot be reached after the first attempt, the Merchants Bank Credit Card Department will place a follow-up call.
When our partner contacts you, they will ask you for some identifying information - such as the last four digits of your Social Security Number. They will never ask you for your full number. If you are uncomfortable and don't want to speak with our partner, please call the Merchants Bank Credit Card Department directly at (833) 794-0032 and verify the transaction or let us know that you did not make the purchase in question.
Our partner, Falcon, will call, text or email you in the event of a suspicious transaction. Falcon will make you aware that the call is being placed on behalf of Merchants Bank. If you cannot be reached after the first attempt, the Merchants Bank Credit Card Department will place a follow-up call.
When our partner contacts you, they will ask you for some identifying information - such as the last four digits of your Social Security Number. They will never ask you for your full number. If you are uncomfortable and don't want to speak with our partner, please call the Merchants Bank Credit Card Department directly at (833) 794-0032 and verify the transaction or let us know that you did not make the purchase in question.
Should I notify Merchants Bank if I want to use my credit card while on vacation or a business trip?
Yes. It’s important for you to contact Merchants before you leave to ensure the best service while you are out of town. If you make purchases in a state or country where you don't normally use your Merchants Bank credit card, we may think these transactions are fraudulent unless we know otherwise.
When contacting the Bank regarding your travel plans, we will ask for the following information:
When contacting the Bank regarding your travel plans, we will ask for the following information:
- Dates of your trip(s)
- Exact travel locations
- How we can contact you while you’re gone
- Call us at (833) 794-0032 or your local branch
- Submit a travel notice in Online & Mobile Banking
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