Specifics

• Introductory Rate: 1.9% APR for 12 Months
• Applied Towards: Balance Transfers
• APR (Purchases): 9.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 9.99% There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average Daily Balance (including new purchases)
• Annual Fee: None
• Additional Cardholders: $0
• Grace Period: 25 Days (Min.)
• Minimum Credit Limit: n/a
• Maximum Credit Limit: up to $250,000
• 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

Reward Program Details

• Points per Dollar: 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.
• Expiration: 5 Years (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: None

Review

Created for those with good credit who want a Merrill Lynch reward card with a low rate. Earn 1 point per $1 spent. Earn unlimited points. Points are redeemable for car rentals, hotel stays, and air travel. 25,000 points earns an airline ticket in the Continental U.S. 2% foreign transaction fee. Balance transfer fee is 3% ($10 min., $75 max.). Benefits include travel insurance, car rental insurance, extended warranties for purchases, and emergency assistance services. Last Modified Date: 9/22/2008 12:00:00 AM

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.
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Important Notations

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