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Review

The MERRILL+ Card issued by FIA Card Services, N.A. offers customers with very good credit a card with a reward system focused on travel-related redemptions with Merrill Lynch.

The rewards program earns customers two points per dollar spent on Merrill cruises and one point per dollar spent on all other purchases. There is no limit to the amount of points that can be earned and points expire after five years. Points are exchanged for travel services, gift certificates and entertainment events.

Other benefits include auto rental insurance, travel accident insurance, and personal concierge services. Certain special offers with British Airways also apply and some participating resorts offer complimentary spa services. There is no annual fee, and a low introductory rate is offered on cash advance checks and balance transfers made in the first 12 months. The card offers a very low fixed interest rate for purchases and cash advances.

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