Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

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
Minimum Credit Score580
IssuerVisa
Avatar

Review by


Kliment Dukovski is a cryptocurrency and investments writer who has written over 700 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange and stock market trading.

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

Capital One Venture Rewards Credit Card

★★★★★

Finder rating 4.4 / 5

Read Review
Apply now
on Capital One's secure site

Minimum Credit Score

580

Minimum Credit Score

670

Annual Fee

$0

Annual Fee

$95

Purchase APR

Card details not available on provider site n/a

Purchase APR

Up to 25.49% variable

Balance transfer APR

N/A

Balance transfer APR

17.49% to 25.49% variable

Rewards

Up to 1x points

Rewards

Up to 5x miles

Welcome offer

N/A

Welcome offer

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

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

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site