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MERRILL+® Card
Issued By: FIA Card Services, N.A. |
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Card Issued by FIA Card Services, N.A.
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Extraordinary Benefits such as Companion Airline Tickets and Upgrades, Airport Lounge Access, and 24/7 Concierge
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Earn 1 Point for Every $1 Spent
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Credit Line May Be as High as $250,000
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Low 9.99% APR
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Introductory Fixed 1.9% APR on Balance Transfers and Cash Advance Checks for the First 12 Billing Cycles
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No Annual Fee
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CreditCard49 Rating
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Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Intro Good On |
Credit Needed |
1.90% |
12 months |
9.990% |
none |
Balance Transfers |
Limited or No Credit |
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Card Info Last Reviewed 2007-04-23 |
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Our Review
The MERRILL+® Card, issued by FIA Card Services, N.A., is designed for those with very good credit who plan to take advantage of the reward program offered through Merrill Lynch.
Through the reward program, cardholders earn one point for every dollar spent on all purchases and double points when purchasing a Merrill Cruise. There is no limit to the number of points that may be earned, and points expire in five years. Points are redeemable for air travel, car rentals, hotel stays, merchandise, gift certificates, special experiences, and more.
In addition to the reward program, the card also provides many cardholder benefits such as up to $1,000,000 in travel accident insurance, auto rental insurance, extended warranties for purchases, and various travel and emergency assistance services. A unique feature of this card is that cardholders will receive additional benefits and services when they reach certain levels with their annual spending on purchases.
The card has no annual fee and offers the same very low fixed interest rate for both purchases and cash advances. There is also a low introductory rate for balance transfers and cash advance checks for twelve months.
Therefore, those who may occasionally carry a balance (due to the very low interest rate) and plan to take advantage of the reward program will benefit most from what the MERRILL+® Card has to offer.
Additional Perks
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.
Notations
See website for complete terms and conditions of card usage and application disclosure.
View Website Details
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