Bank · FDIC insured
Merchants Bank Credit Card Rates
Merchants Bank credit cards start at 12.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Merchants Bank’s credit card rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Merchants Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Merchants Bank
12.49%APR
- Up to
- 16.49% APR
Visa® Classic with ScoreCard® Rewards
Lowest rate
NSP Credit Union
7.90%APR
- Up to
- —
2nd-lowest rate
Pipefitters Steamfitters Credit Union
8.75%APR
- Up to
- —
Merchants Bank credit card score
70
Credit card score
Higher than 27% of U.S. banks and credit unions
- Purchase APRPurchase APR12.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Merchants Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa® Classic with ScoreCard® Rewards
Classic option for credit limits up to $5,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory rate fixed for six months from account opening on purchases, balance transfers and cash advances. |
| Ongoing | 12.49%–16.49% | None | Variable APR after 6 months based on credit worthiness. |
Sources (1)
- merchantsbank.com/banking/loan…redit-cards/credit-cards · captured Oct 7, 2026
Visa® Platinum with ScoreCard® Rewards
Platinum option for credit limits $5,000 and over.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory rate fixed for six months from account opening on purchases, balance transfers and cash advances. |
| Ongoing | 12.49%–16.49% | None | Variable APR after 6 months based on credit worthiness. |
Sources (1)
- merchantsbank.com/banking/loan…redit-cards/credit-cards · captured Oct 7, 2026
Visa® ScoreCard® Credit Card with Cash Back
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | $30 | Introductory rate fixed for six months from account opening on purchases, balance transfers and cash advances. |
| Ongoing | 12.49%–16.49% | $30 | Variable APR after 6 months based on credit worthiness. |
Sources (1)
- merchantsbank.com/banking/loan…redit-cards/credit-cards · captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.