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Merrill+ Visa® Credit Card |
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- No Annual Fee*
- Introductory Fixed 1.9% APR on Balance Transfers and Cash Advance Checks for the First 12 Billing Cycles*
- Low 9.99% APR*
- Credit Line May Be as High as $250,000*
- Earn 1 Point for Every $1 Spent*
- Extraordinary Benefits such as Companion Airline Tickets and Upgrades, Airport Lounge Access, and 24/7 Concierge*
- Card Issued by FIA Card Services, N.A.*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
1.9% Balance Transfers/Cash Advance*
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First 12 Billing Cycles*
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9.99%*
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None*
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Yes*
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Good Credit*
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Editor's Review:
For those interested in zero interest credit cards that also offer a rewards program and a reasonable APR after the introductory period is complete may wish to consider the Merrill+ Visa® Credit Card.
The Merrill+ Visa® Credit Card is one of only a few 0 interest credit cards to be geared specifically toward those with very good credit. As such, the rewards program is quite attractive on this card, as those with very good credit would expect to receive.
With the Merrill+ Visa® Credit Card, cardholders earn one point for every dollar they spend toward purchases with the card. They also earn double points when they make purchases toward a Merrill Cruise. Unlike many zero interest credit cards that offer a rewards program, the Merrill+ Visa® Credit Card does not put a cap how many points can be earned each year. The points do, however, expire after five years.
The points earned with the Merrill+ Visa® Credit Card can be redeemed toward a variety of purchases. These include car rental, air travel, merchandise, hotel stays, special experiences, and gift certificates. The card is also unique in that cardholders receive certain benefits in accordance with how much money they spend per year on the card.
Some of the benefits that cardholders enjoy with the Merrill+ Visa® Credit Card, regardless of how much they have spent, include auto rental insurance, up to $1,000,000 in travel accident insurance, lost luggage assistance, emergency transportation assistance, and personal concierge service. The card also provides cardholders with a special companion ticket offer from British Airways, $250 off when purchasing Club World tickets in advance to London through British Airways, automobile rental discounts and upgrades, and Complimentary spa services at a number of resorts. Cardholders also receive special rates at a variety of hotels throughout the world.
In addition to the travel benefits offered by the Merrill+ Visa® Credit Card, cardholders also enjoy freedom from liability for unauthorized transactions, extended warranties on purchases made with the card, and purchase protection. Cardholders also receive fraud protection services and enjoy the convenience of automatic bill payment. Cardholders can also save money at a number of different merchants and retailers as they receive discounts when using the card.
Technically, the Merrill+ Visa® Credit Card isn’t like other zero interest credit cards because the introductory offer isn’t quite zero percent. Rather, new cardholders enjoy a very low 1.90% APR for the first 12 months on balance transfers. This low rate is also available for cash advance checks.
Another characteristic that sets the Merrill+ Visa® Credit Card apart from other 0 interest credit cards is the fact that it remains at a very reasonable 9.99% fixed APR for purchases as well as for cash advances after the introductory period is complete. In addition, there is no annual fee.
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(Review Date: July 24, 2008)
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