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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

Points

$0

Annual fee

Card details not available on provider site

Purchase APR

580

Recommended credit score

Details

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
American Express® Gold Card
60,000 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)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
The Platinum Card® from American Express
100,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 15x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 15x points on flights will be capped on up to $500,000 annually (then 1x points).
$550
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. 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
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Marriott Bonvoy Brilliant™ American Express® Card
100,000 points after spending $5,000 in the first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021)
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
$450
Earn 100,000 bonus points when you spend $5,000 or more within your first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021). Rates & fees
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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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