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The Merrill+ Visa® Credit Card

APR's:
There is an introductory APR as low as 1.90% for 12 billing cycles. However, this intro rate only applies towards balance transfers. Be cautious that some card issuers may charge higher rates and fees for cash advances.

The lowest available APR is fixed, meaning that the rate will not change with U.S. prime rates.

Rewards:
This card offers investment rewards for purchases, where you can expect deposits or points into an investment account based on your total spending.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO score of at least 736 is recommended for a higher chance of approval for The Merrill+ Visa® Credit Card, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for The Merrill+ Visa Credit Card is at least 25 days. So interest charges will not be applied during those days.

This card is intended for consumers, or "personal use".

This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment.

Approval Rate:
The approval rate for this card is at a maximum. If you believe that you fall into the credit record of "Good Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 736, then your chance of approval may be greater than other applicants.

Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved.

Offer Details:

• Introductory 1.9% Annual Percentage Rate (APR)† for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.* (subject to a 3% transaction fee, no less than $10)
  
• No Annual Fee
  
• Outstanding Rewards Program One of the best rewards cards available today with anytime, anywhere air rewards.
  
• Earn 1 point for every $1 spent on net retail purchases, and accrue unlimited Merrill points.§ Points can be redeemed for Merchandise, Travel, Gift Certificates, and more.
  
• Extraordinary Benefits Receive unique perks and upgrades such as companion airline tickets and upgrades, airport lounge access, and 24/7 concierge.

*Please view and verify the card offer's terms and conditions regarding interest rate, fees, grace periods, approval time and other information before applying.

**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

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