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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
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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
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Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
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Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
Hilton Honors American Express Card
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Luxury Card Mastercard® Titanium Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
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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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