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Ollo Everyday Rewards Mastercard®
Merrick Bank

Ollo Everyday Rewards Mastercard®

A no-annual-fee cash back card from Merrick Bank.

Cash back only
Annual fee
No annual fee
Welcome bonus
None (invitation-based offer)
Min spend
N/A
Recommended credit
Fair to Good (640+)
Network
Mastercard
Apply on Merrick Bank site7.2/10Our rating · review ›

Rates, fees, and full terms are set by Merrick Bank and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

someone rebuilding credit who wants a card that reports to all three bureaus.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

3% cash back on gas, EV charging, grocery, and drugstore purchases
1% cash back on all other purchases

Best ways to earn & redeem

Put your groceries and gas spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No rotating categories and no caps
Designed for fair or average credit, far more rewarding than most cards in that range
Available by invitation; terms depend on your offer

Alternatives to the Ollo Everyday Rewards Mastercard®

Pairs well with

The Ollo Everyday Rewards Mastercard® earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Ollo Everyday Rewards Mastercard® lands.

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