Merrill Lynch Visa® Cards
MERRILL+SM Visa® Credit Card

When we created the new MERRILL+ credit card, we made sure we designed it with superior features, first-rate rewards and outstanding benefits that add up to a credit card like no other! MERRILL+ offers one of the best reward programs in the business. With it, you earn one +Point for every dollar you spend, with no limit on the number of points you can earn! +Points can be redeemed for everything from airline tickets to brand name merchandise or gift certificates. And your point bank is not the only thing that grows the more you use the card — so do the benefits! With three +Benefit levels based on your annual spending, you may receive 24/7 concierge service, free companion air tickets, hotel upgrades, complimentary spa services and much more. MERRILL+ offers you all this with no annual fee!

CMA or Beyond Banking AccessSM Visa Card

A CMA or Beyond Banking AccessVisa card gives you immediate access to the funds in your account through ATM and debit use. You can make withdrawals at over 800,000 ATM's worldwide that display the Plus System, Visa or Exchange Network logos. You also have the flexibility to withdraw up to $2,500 per day and with a Beyond Banking account, you'll receive 100 fee-refunded withdrawals (maximum of $200 in operator fees refunded) per year at more than 360,000 ATM's nationwide. Purchases can be made anywhere Visa is accepted in over 25 million locations worldwide and with the card's deferred debit feature, your money keeps working even after you've spent it. Rather than deducting funds on a pay-as-you spend basis, charges are debited from your account at the end of the month. These cards also come with early fraud warning and zero liability for unauthorized purchases.

Merrill Lynch Visa® Signature Card with Signature Rewards®

Upgrade your CMA or Beyond Banking AccessVisa to a Merrill Lynch Visa Signature Card with Signature Rewards and receive all the benefits of these deferred-debit Visa cards, plus more. You'll earn Signature Reward points for every eligible purchase you make using your card. Points can be redeemed for airline travel, car rentals, hotel stays, cruises, restaurants, specialty merchandise and gift certificates. There is a $95 annual fee for the Merrill Lynch Visa card.

For more information about the Merrill Lynch Visa Signature card with Signature Rewards, please visit www.signaturerewards.ml.com.

Beyond Banking and CMA accounts are securities accounts with Merrill Lynch, Pierce, Fenner & Smith Incorporated. The accounts provide access to services and products offered by licensed banks, including checking and FDIC-insured deposits that are held at the banks. Securities, mutual funds and other non-deposit investment products available through the accounts are not FDIC-insured, not guaranteed by a bank and may lose value.