MERRILL+® Card Issued by FIA Card Services, N.A.. This card received a rating of 5.00 out of 5.00

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Basic Credit Card Information

Introductory Rate:	1.9% APR for 12 Months
Time Period:	12 months
Rate Applied To:	Balance Transfers
Additional Details:	The introductory rate is also available for cash advance checks.
Regular APR:	9.99%
Variable or Fixed:	Fixed
Annual Fee:	$0
Annual Fee Details:	None
Application Fee:	n/app
Participation Fee:	n/app
Reload Fee:	n/app
Inactive Fee:	n/app
Total First Year Fees:	n/app
Type Of Rewards:	Point
Be sure to read the card's Terms and Conditions before applying!

Credit Card 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 reasonable and 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.

This review was updated 2008-08-19T00:00:00.0000000-07:00

Reward Program Information

Type Of Rewards:	Point
Reward Program Optional:	No
	Optional programs may have a fee. See Terms and Conditions for details.

For Cards with Cash Back Incentives
Lowest Possible Rebate:	n/app
Highest Possible Rebate:	n/app
Additional Rebates:	n/app
Rebate Details:	n/app

For Cards with Point Incentives
Points Per Dollar Spent:	1 Point
Additional Points:	Earn double points when purchasing a Merrill Cruise.
Point Details:	Points are redeemable for air travel, car rentals, hotel stays, merchandise, gift certificates, special experiences, and more.

For Cards with Airline Incentives
Miles Per Dollar Spent:	n/app
Additional Miles:	n/app
Program Details:	n/app

Rewards Expiration Period: 5 Years

Annual Limit: None

Additional Credit Card 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.

Special Notations about the MERRILL+® Card

See website for complete terms and conditions of card usage and application disclosure.

Always read the credit card's Terms and Conditions before applying!