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MERRILL+® Visa Signature® credit card review

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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.

Up to 1x



Annual fee

Card details not available on provider site

Purchase APR


Recommended credit score


Product NameMERRILL+® Visa Signature® credit card
Card typeVisa
Annual fee$0
Purchase APRCard details not available on provider site
Balance transfer APRN/A

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards 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 travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
This popular travel card's signup bonus is worth up to $1,000. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
American Express® Gold Card
35,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
Earn 4x points at restaurants worldwide. Rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
Hilton Honors American Express Card
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.

Compare up to 4 providers

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.

Frequently asked questions

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