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Travel the world, experience world-class benefits with the MERRILL+® card.
No annual fee. Endless rewards. The MERRILL+® card.
Merrill Rewards for Business Card
Concierge Services
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MERRILL+ - Experience the extraordinary

The MERRILL+® Visa Signature® credit card provides the flexibility to pay over time or in full each month. Exceptional coverage includes:

  • Flexible Rewards Program with rich redemptions in travel, gift cards, cash, and more
  • 24/7 Concierge Service and Merrill Lynch Trip Advisor
  • No Foreign Transaction Fee1 and Smart Chip Technology
  • Trip Cancellation, Trip Delay and Emergency Evacuation
  • Zero Liability Fraud Protection and Purchase Security2
  • Endless Rewards + No Annual Fee1

Earn rewards faster with the MERRILL+ card

Every dollar you spend on qualifying purchases earns you one point with our Beyond Rewards® program. Redeem your points for travel, gift cards, toward a Merrill Lynch child's college savings education plan, or used against fees and commissions posted to your Merrill Lynch account.

Enjoy more special offers when you spend more

As a Merrill Lynch cardholder, you also receive preferred pricing and special offers with our Beyond Rewards® Status Levels. The more you spend, the closer you get to the next Status Level. The benefits include discounted car rentals from Hertz, travel offers from Delta and more2. There's nothing to redeem - just spend and save.

1For information about card rates and fees, click here.

2Additional restrictions apply. Please refer to Program Details.

Security Protection     Travel Protection     Where to Go if
There's a Problem

Our security promise to you

Merrill Lynch leads the way in addressing security and privacy concerns. Our financial services provide multiple layers of protection that include leading technology to protect your information on our computer systems, ongoing fraud monitoring to detect any unusual activity in your accounts, and responding quickly in an integrated manner to any reports of theft or fraud.

Your Merrill Lynch Card provides the complete protection you need. We not only take a determined approach in protecting you, but provide information to help you protect yourself and steps to take if you suspect there's a problem.

Merrill Lynch shares responsibility for protecting your privacy and personal information on our computer systems and we encourage you to protect yourself at home, at work - everywhere you go.

Zero Liability Protection

You are not held responsible for fraudulent transactions. If a fraudulent purchase appears on your statement, please notify us promptly at 1.877.4ML.CREDIT (465.2733) and it will be removed.

Early Fraud Monitoring

Changes in your spending patterns are instantly detected using leading behavioral technology and data analysis. You are alerted immediately if fraud is suspected.

Warranty Manager Service1

Double the warranty period under the original manufacturer's written U.S. repair warranty when you use your card.

1 Certain terms, conditions and exclusions apply.

Purchase Security1

Purchase an item with your MERRILL+® card, and within the first 90 days, replacement, repair or reimbursement is available in the event of theft or damage. The maximum claim limit is $10,000 for eligible items of personal property.

1 Certain terms, conditions and exclusions apply.

Let us know when you're traveling

Unusual events that don't fit your profile such as transactions occurring in several countries in short succession may trigger a fraud alert. So please advise us of your travel dates and locations; it will reduce the chance that you will experience an interruption in service. Just call us at 1.877.4ML.CREDIT (465.2733) or contact your Financial Advisor.

3-Digit Code

On the back of your Merrill Lynch Visa® card you'll find a special 3-digit code (also called Cardholder Verification Value or CVV2) that you may be asked to provide if you're making a transaction online or on the phone. This safeguard measure ensures that you physically have your credit card with you and, in the event someone has stolen your card number (but not your actual physical card), they can't make any purchases.

No Foreign Transaction Fee1

Your MERRILL+® credit card has no Foreign Transaction fee, so you save on international purchases.

1 For information about card rates and fees, click here.

Smart Chip Technology

The MERRILL+ credit card comes with an embedded microchip, so you can make international purchases, primarily in Canada and European countries, and a magnetic stripe, so you can shop domestically. The smart chip is the preferred form of payment by many international merchants since it provides added security to your card. 1

1 When making a purchase using your embedded chip card, a signature may be required but a PIN is never required. Please refer to Program Details.

Emergency Evacuation Insurance1

If you suffer an injury or illness that requires Emergency Evacuation on a trip that you purchased entirely with your MERRILL+® card, you are eligible for coverage of up to $100,000.

1 Certain exclusions, restrictions, and limitations apply. Please refer to Program Details.

Trip Cancellation1

Ease the hassles of the unexpected covered cancellations (or interruption) of a covered trip, up to $2500.

Trip Delay1

Rest assured knowing you have up to $100 per day (up to 5 days) if your trip is delayed due to a covered reason.

1 Certain exclusions, restrictions, and limitations apply. Please refer to Program Details.

Lost Luggage Reimbursement1

You’re covered for up to $3,000 per trip for checked or carry-on lost luggage and its contents when you purchase your entire fare with your MERRILL+® card.

1 Certain terms, conditions and exclusions apply. Please refer to Program Details.

Common Carrier Travel Accident Insurance1

You're automatically covered for up to $1 million in accidental death or dismemberment when you use your MERRILL+ card to purchase air travel.

1 Certain terms, conditions and exclusions apply. Please refer to Program Details.

Auto Rental Collision Damage Waiver1

You are covered for damage due to collision or theft up to the actual cash value of most rental cars when certain terms and conditions are met. Coverage is provided to the cardholder and other authorized drivers permitted by the rental contract.

1 Certain terms, conditions and exclusions apply. Please refer to Program Details.

Travel Tips

Traveler's Checklist
What to Do Before Going Abroad

  • Photocopy your passport and driver's license and keep these separate from your travel documents. Photocopy the reverse side of your credit and debit cards, black out the card numbers, and record the card numbers to keep separately from the copies in a safe location. Give copies of everything to someone you can contact in case you need the information.
  • Research passport and visa requirements, health and airline regulations and consulate locations.
  • Make a list of all pertinent contact information, such as phone numbers for travel cancellations and car rentals. Include Merrill Lynch overseas contact numbers for lost or stolen cards, travel insurance benefits and customer service.
  • Contact Merrill Lynch before you leave to advise of upcoming travel plans; this will help ensure your foreign charge transactions are accepted. Once overseas, should your charge be declined, call Merrill Lynch collect via the international operator. Telephone numbers are listed on the back of your card. Collect calls from hotels may incur a significant service charge, so consider using a pay phone.
  • Convert your PIN to a four-digit number, as most foreign ATMs will not respond to PINs that are longer.
  • Call Merrill Lynch to find out if charges on your credit or debit card will incur a foreign transaction fee while you're abroad.
  • Review all travel insurance terms and conditions carefully.

Reporting an Incident

If you suspect identity theft or fraud, it's important to act quickly so your financial institutions and law enforcement officials can respond accordingly. Please review the following steps to report an incident:

Step 1: Contact Merrill Lynch and other financial institutions.

  • For Merrill Lynch, please call us at 1.800.MERRILL (637.7455) or contact your Financial Advisor.
  • For other financial institutions, call your standard customer service number and ask to speak to the security and fraud department.
  • They will take down your information over the phone. Also, make sure you request a fraud dispute form. It is critical you report identity theft and fraud in writing.
  • Keep a log of all your calls, with whom you spoke and in what department (including the date and time of the call).
  • When the matter is resolved, ask your financial institution to send you a letter stating that your account has been closed and discharged.

Step 2: Notify your other financial institutions.

  • It is recommended that you make your other financial institutions aware of your identity theft, in case your problem is more widespread than you originally thought.

Step 3: Contact the three credit bureaus.

  • Contact each of the three credit reporting agencies to place a fraud alert:
    • Equifax: 1.800.525.6285 or
    • Experian: 1.888.397.3742 or
    • TransUnion: 1.800.680.7289 or

Step 4: Notify the authorities about the theft/fraud.

  • File a police report where you suspect the identity theft/fraud occurred.
  • Ask to file a "miscellaneous incident" report. It is critical that you either obtain a copy of this report or get a copy of the report's number.
  • File a report with the Federal Trade Commission (FTC), a government agency charged with protecting consumers. The FTC can share your theft report with law enforcement agencies for investigation purposes.

  • Federal Trade Commission (consumer complaints):
    1.877.ID.THEFT (438.4338) or

  • If your complaint is related to telemarketing fraud, contact your State Attorney General to report it.

Emergency Card Replacement

If you are alerted of a problem, or in the event of a lost card, we can have a new card in your hand within 24 hours. And, in most cases, we can also send emergency cash to you. Please call us at 1.800.4ML.CREDIT (465.2733) or contact your Financial Advisor.

 Please contact us at: 1.800.MERRILL (637.7455)

Review the details of your Beyond Rewards® program


Application Process

Product Details


Benefits and Rewards

Account Services

Application Process

Do I need to have a Cash Management Account® (CMA) to apply for the MERRILL+ credit card?

No. You do not need to have a CMA to apply for the MERRILL+ card. However, by being a Merrill Lynch client, you will be able to fully take advantage of all of the rewards offered, such as redeeming points towards contributions into a Merrill Lynch child's college savings education plan.

How long will it take me to receive the MERRILL+ card once I'm approved?

You should expect to receive your card within 7 to 10 business days following credit approval.

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Product Details

Can I withdraw cash from ATMs using the MERRILL+ card?

Yes. You can use your assigned PIN (Personal Identification Number) to make withdrawals. This is considered a cash advance and is subject to applicable transaction fees and the card's prevailing interest rate.

How do I report a lost or stolen card?

Call 1.888.565.6472 to get information on your MERRILL+ Visa credit card account including payments and charges, report lost or stolen cards, transfer a balance or request a credit line increase.

What is the advantage of a smart chip card?

The MERRILL+ credit card comes with a smart chip and a magnetic stripe, at no additional cost, so you are able to easily shop internationally and domestically. The embedded chip provides added security and is the preferred form of payment by many international merchants. When purchasing items using your MERRILL+ smart chip card, it only requires a signature and never requires a PIN.

Does this card have a Foreign Transaction fee1?

The MERRILL+® card does not have a Foreign Transaction Fee.

1 For information about card rates and fees, click here.

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Benefits and Rewards

Where can I get information on Benefits and Rewards?

For the Rewards & Benefit Center or for Merrill Lynch Concierge, you can call 1.800.419.0000, and ask for:
  • Credit Card Servicing
  • Benefits Call Center
  • Concierge Services
  • Redeem Points to Book Travel
  • Redeem Points for Gift Certificates
For details relating to Beyond Rewards benefits, please see the Program Details.

How do I qualify for Beyond Rewards Benefits?

The Beyond Rewards program works on the basis of 1 Merrill Point® for every $1 in eligible purchases made with your MERRILL+ Credit Card. You can start redeeming with as few as 1,200 points.

What are Plus Level Benefits?

Your benefits get better the more you use your card. Spend $50,000 or more in a year and you achieve Plus Level, granting you even more offers and benefits including a complimentary airport lounge membership.

How can I achieve Plus Level faster?

See your points add up even faster when you set up your recurring payments – such as utilities, gym membership, Internet and cable, or other services – to be charged automatically to your MERRILL+ card. You can add an authorized user, such as a family member, and earn points on every net retail dollar they spend too.

Who has the ability to redeem my Merrill Points?

Only primary cardholders and authorized users may redeem Merrill Points.

In what hours can I redeem my points for travel?

Travel agents are available 24 hours a day, 7 days a week. Or, you can redeem anytime online at

What can Merrill Lynch Concierge help me with?

The Merrill Lynch Concierge is a free personal assistance service. Whatever you want, whenever you need it - whether it's dinner reservations or help getting an extra special gift-Merrill Lynch Concierge is standing by ready to arrange your requests. For example, Merrill Lynch Concierge can:
  • Suggest the perfect dining venue and make reservations
  • Send creative gift baskets and flowers
  • Help your clients find local activities and events when they travel
  • Get concert, sport and theater tickets
  • Coordinate a weekend getaway for two
  • Suggest, select and purchase unique gifts for any occasion
  • Arrange spa appointments or golf tee times
  • Provide referrals for home maintenance

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Account Services

How can I pay my bill?

Online Payments:
You can pay your bill online by logging into your account activity from the home page of

Mail Payments:
Merrill Lynch credit card customers should mail payments to:

ML Credit Card Services
PO Box 15289
Wilmington, DE 19886-5289

Overnight payments should be mailed to:

ML Credit Card Services
Attn: Payment Services
1000 Samoset Drive
Newark, DE 19713

Phone Payments:
Call 1.877.4ML.CREDIT (465.2733) and pay by phone.

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Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation.

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Investment products:
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of Bank of America Corporation.
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Status Level offers add up the more you use your card.
Virtually every dollar you spend on purchases moves you closer to achieving the next Status Level – granting you access to a broad selection of new offers. Below and in this Guide is a sampling of offers available to you; to view the complete selection, sign in at
+ As a MERRILL+ cardholder, you automatically receive offers such as:
  • $200 Onboard Credit (Per Stateroom) and 50% Off Land Discoveries on Azamara Club Cruises Booked by June 1, 2012
  • 45% Exclusive Savings at the Sheraton Nassau Beach Resort on Stays through December 23, 2012 and Booked by December 22, 2012
  • Up to a $1,500 Resort Credit or Unlimited Golf, $100 Exclusive Savings and Prestige Club Room Amenities and More at the Beach Palace Cancun (See page 32 for important details including required minimum stays.)
  • Up to 20% Savings on Hertz Rentals, Plus $20 Off a Weekly Rental, Up to $15 Off a Weekend Rental, or $25 Off a Weekend Rental of a Collection Vehicle
+2 Spend $20,000 – $49,999 a year on your card and receive offers such as:
  • All + Status Level Benefits
  • Up to 15% Off Luggage Delivery with Luggage Forward
  • Up to 20% Savings on Hertz Rentals, Plus:
    – Save $25 on a Weekly Rental
    – Up to $20 Off a Weekend Rental
    – Save $35 on a Weekly Rental of a Collection Vehicle
+3 Spend $50,000 or more a year on your card and receive offers such as:
  • All + and +2 Status Level Benefits
  • Complimentary Airport Lounge Membership – Choose from LOUNGE CLUB™, American Admirals Club® orDelta Sky Club®
  • Complimentary Flight Hour with Your First Marquis Jet Card® Purchase; access up to two aircraft at the same timeand have guaranteed aircraft upgrades up to three times during non-peak travel time during the first year of owninga NetJets Share™ or NetJets Lease™
  • Up to 20% Off Luggage Delivery with Luggage Forward
  • Up to 20% Savings on Hertz Rentals, Plus Up to $25 Off a Weekly or Weekend Rental, $50 Off a Monthly Rental, ora Free Upgrade