- 1% cash back on virtually all purchases
- No annual fee
- Low 9.99% APR for retail purchases
- Credit line may be as high as $250,000
- Cash back rewards can be deposited directly into your Merrill Lynch account
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed | Overall Rating |
| 1.9% | 12 Mons. on BT | 9.99% | None | Yes | Good Credit |  |
Total Merrill(SM) Cash Back Visa® Credit Card Review
The Total Merrill(SM) Cash Back Visa® Credit Card, issued by FIA Card Services, N.A., is designed for those with very good credit who plan to take advantage of the cash reward program offered through Merrill Lynch.Through the reward program, cardholders earn one cash back reward credit for every dollar spent on all purchases. Cardholders have the option of receiving a cash reward check or having reward credits automatically deposited into a Merrill Lynch Cash Management Account® (CMA®) or Beyond Banking® account after earning a minimum of 5,000 reward credits. There is no limit on the number of reward credits earned; however, checks expire 90 days from the date of issuance.
The card has no annual fee and offers the same very low fixed interest rate for both purchases and cash advances. There is also a low introductory rate for balance transfers and cash advances for twelve months.
Therefore, those who may occasionally carry a balance (due to the very low interest rate) and plan to take advantage of the reward program will benefit most from what the Total Merrill(SM) Cash Back Visa® Credit Card has to offer.
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