Which Consumer Credit Card Will Work Best for You?

Although the decision to open a credit card often brings apprehension, using a credit card responsibly can be extremely beneficial to your financial well-being. Profitable rewards and cash back offerings, higher protection from scammers and universal acceptance are all reasons consumers choose credit cards.   

Merchants & Marine Bank offers credit card solutions that help our clients reach their financial goals. Whether you want to pay down balances fast, maximize your cash back, earn rewards or begin building your credit history, there is a credit card solution for you! More than that, all our consumer credit cards offer key advantages such as: nationwide acceptance, mobile wallet compatibility, zero fraud liability, and the same level of service that every Merchants & Marine Bank client expects through Cardmember Service. Best of all, cardholders get all these benefits with no annual fee. 

Merchants & Marine Bank Credit Card Offerings

The Perfect Card for Financing  

The Merchants & Marine Bank Platinum Card is certain to help holders off to a great start! With the Platinum Card, you get 0% APR on purchases and balance transfers over the first 17 billing cycles. This card is perfect for those looking to make short-term credit purchases or transfer balances from cards with higher interest rates.  

The Perfect Card for Capitalizing on Cash Back  

Some of our clients like to put their everyday purchases on cash back cards while letting their cash on deposit earn interest. If you love paying off your balance every month and earning 5% cash back in two categories of your choice (1% back on all other purchases), this card is for you. The Max Cash Preferred Card also features a generous introductory period for 0% APR on purchases and balance transfers, for 12 months. 

The Perfect Card for Teaching Financial Wellness 

The college years are the perfect time to learn wise spending habits and put your hands on great financing tools. Our College Real Rewards Card lets you earn 1.5 points for every dollar you spend, which is equal to 1.5% cash back. You can redeem your points for cash back, travel, merchandise, and gift cards. This card also has a 6-month introductory 0% APR on purchases and balance transfers. 

The Perfect Cards for Building Credit  

We offer a pair of Secured Card options for clients looking to improve or establish their credit. One option, the Max Cash Secured Card, rewards you with up to 5% cash back in 2 purchase categories of your choosing and 1% cash back on all other purchases.  

Partners With True Financial Solutions 

Undeniably, credit cards through our partners at Elan Financial Services are loaded with advantages. Still, there are precautions that are important for consumers to take to use credit wisely. Making payments on time, keeping credit card debt to a manageable amount and reviewing monthly statements are all ways to help credit cards work in your favor.  

As partners in your financial journey, it’s important that our clients know we are available for insight and assistance. Our team members can help answer questions regarding credit, share tips for providing college students with the best financial tools and ultimately help you identify what devices you need to reach your financial goals.  

Reach out to a team member at Merchants & Marine Bank today for all your banking, credit and financial needs.