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MERRILL+® Visa Signature® credit card review

A no-annual-fee travel credit card with flat rewards rate on all purchases.

  • Get this card if you spend money on a variety of categories.
  • Pick something else if you want better rewards on your purchases.
  • Apply with a good to an excellent credit score of 580 or higher.
No reviews yet. Write a review

Up to 1x

Points

$0

Annual fee

Card details not available on provider site

Purchase APR

580

Recommended credit score

Details

Annual fee$0
Welcome OfferN/A
Rewards1x points on all purchases
Purchase APRCard details not available on provider site
Balance transfer APRN/A
Recommended minimum credit score580
IssuerVisa
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Review by


Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The MERRILL+® Visa Signature® credit card is designed for travelers who spend on a variety of categories. Points can be redeemed for airfare, cash back, gift cards and more. The card has no annual fee or foreign transaction fees.

The perks

  • Reward points.
    Earn 1x points on everything you buy.
  • Plus level status.
    Spend $50,000 in a calendar year and reach Plus-level status. Then you can choose a $200 travel credit, or a one-year Delta Sky Club airport lounge membership.

You’ll also like

  • No annual fee.
    Use this card and its benefits without paying an annual fee.
  • No foreign transaction fees.
    Use this card abroad without incurring foreign transaction fees.

What to watch out for

  • No signup bonus.
    While other cards may offer a bonus for spending a specific amount within a designated period, this card has no such feature.
  • No online application.
    To apply for the card, you must call Merrill Lynch at 800-637-7455.

Compare MERRILL+® Visa Signature® credit card with two similar cards

MERRILL+® Visa Signature® credit card

Not yet rated

Find out more

Minimum credit score

580

Annual fee

$0

Purchase APR

Card details not available on provider site

Balance transfer APR

N/A

Rewards

1x points on all purchases

Welcome offer

N/A

American Express® Gold Card

★★★★★

Finder Rating: 4.6 / 5

Terms apply, see rates & fees
Go to site

Minimum credit score

670

Annual fee

$250

Purchase APR

See Pay Over Time APR

Balance transfer APR

N/A

Rewards

4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases

Welcome offer

60,000 points after spending $4,000 in the first 6 months

Bottom line

The MERRILL+® Visa Signature® credit card could be a decent choice for travelers who spend on a variety of categories. You’ll earn flat points on everything you buy, and you can redeem your points at their highest value for airline tickets.

However, if you’d like to avoid the hassle of applying by phone, check out similar travel credit cards and compare your options.

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