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Credit Card Reviews » MERRILL+® Visa® Credit Card |
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If you've been a responsible with your finances in the past, you should have more than just a nice credit score to show for it you should be getting the rewards you've earned. And with the MERRILL+® Card, you will. This card, issued by FIA Card Services, N.A., is offered to people with excellent credit who are looking for a rewards program that gives them both the benefits they've earned, and the financial flexibility they need.
When you use this card, you will earn one point for every single dollar you spend, on absolutely anything, and double points when you purchase a Merrill Cruise. There is no limit whatsoever on the number of points that you can earn, and you'll never feel like you have to scramble to use your points before they expire. With this credit card, your points will be redeemable for a full five years, so you can take advantage of them in your own time, on your own schedule.
With the MERRILL+® Card, you can redeem your points for the goods or services that you really want. From air travel on a vacation getaway, to the rental car that gets you to your hotel, to the hotel you stay at, your points can get you there. Redeem your points for merchandise, gift certificates, or any of your other many options the choice is yours.
In addition to these great benefits, as a cardholder you will automatically receive up to $1,000,000 in travel accident insurance, auto rental insurance, extended warranties on purchases made with your card, and many other forms of travel and emergency assistance services, so that you feel secure, no matter how far from home you are. When you carry a MERRILL+® Card, you no that you're covered, no matter what happens. And as you reach certain levels in your annual spending, you will only continue to gain access to more features and benefits; the sky is the limit.
This credit card has absolutely no annual fee, and offers you the same low fixed interest rate for both your purchases and cash advances. It comes with a low introductory rate for balance transfers and cash advance checks, and lets you keep that rate for an extended introductory period of a full twelve months. No other credit card gives you the same security, flexibility and benefits and resources that the MERILL+® Card does.
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1.9% Intro APR on Balance Transfers for 12 Months
9.99% Regular Fixed APR for Purchases
9.99% Regular Fixed APR for Cash Advances |
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25 Days (Min.) Grace Period |
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| (* The introductory rate is also available for cash advance checks.) |
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| Finance Configuration: Average Daily Balance (including new purchases) |
| Additional Cardholders: $0 |
| Late Payment Fee: $15 on balances up to $100; $29 on balances over $100 up to $1,000; $39 on balances over $1,000 |
| Over-The-Limit Fee: $15 on balances up to $500; $29 on balances over $500 up to $1,000; $39 on balances over $1,000 |
| Cash Advance Fee: 3%, $10 minimum, $75 maximum |
| Balance Transfer Fee: 3%, $10 minimum, $75 maximum |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: $250,000 |
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| Type of Reward: Point |
| Points per Dollar: 1.00 |
| Expiration: 5 Years |
| Yearly Limit: None |
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| Additional Features for MERRILL+® Visa® Credit Card: |
Various Internet account related services.
No liability for unauthorized transactions.
Fraud protection services.
Automatic bill payment.
Purchase protection.
Extended warranty for purchases.
Auto rental insurance.
Emergency transportation assistance.
Up to $1,000,000 in travel accident insurance.
Lost luggage assistance.
Personal concierge service.
Transatlantic companion ticket offer from British Airways.
Save $250 on advance purchase Club World tickets to London on British Airways.
Special MERRILL+ rates at The Leading Hotels of the World®.
Complimentary spa services at leading resort destinations.
Automobile rental upgrades and discounts.
Discounts on products and services at participating merchants and retailers.
Cardholders whose annual spending on purchases reaches certain levels will have access to additional benefits and services.
See website for additional benefits. |
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| Important Notes for MERRILL+® Visa® Credit Card: |
See website for complete terms and conditions of card usage and application disclosure.
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| Home » Apply for a Credit Card » Credit Card Issuers » FIA Card Services, N.A. |
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| Notes: The review on MERRILL+® Visa® Credit Card was updated on January 14, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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